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learning the hard way

what kind of rate can I get this time

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I could not find the old app like I filled out last time (probably right in front of me).


My and DW scores range from low 600s to 650

bk7 discharged june 04


4663 monthly income



613 mortgage payment

465 1st car payment

45 cc payment


I want to get a 02 nissan sentra type r for 10000


With my comute to work it will almost pay for itself in gas savings compared to my old beater


What kind of rate should I expect?

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okay, the hsbc sheet says bk must be discharged in the past two years. I am past two years. Does that mean they will not do a loan for me or that I get into the better rates? If I get the better rates how do know what scores qualify your for wich bracket?

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HSBC rate will depend on the LTV to a great extent.


I don't pay attention to their BK rules. They just pick a # outta the air usually.

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