Starting my rebuilding journey and went to my credit union today and took out a secured loan so I could have an installment loan for my profile. We were talking about my goals of buying a house and possibly an auto loan in the future. She told me that she could approve me now for an auto loan for 6% or we could wait six months and see where my scores are at. I have no score now with a chapter 13 showing that falls off in April. She said I'm essentially starting off with a clean slate. She also told me in 6-12 months they would e willing to help get into a house. I'm not doing the auto loan yet, my main goal right now is a mortgage and don't want the auto to drag my profile down. Maybe I'm not as bad off as I thought I was.
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