Just wanted to share some motivation — I filed bankruptcy 7 months ago and my credit scores were around 530–540. Fast forward to now, I’m sitting at 620–635. I was even able to refinance my auto loan from a 23% APR down to 12% through a credit union which still pretty bad but they giving me a chance.
It wasn’t easy at all. I called around to so many places and got denied over and over. But I stayed consistent and didn’t give up.
If you’re going through it right now — stay focused and keep going. Things really can turn around.
submitted by /u/JudgeIndividual1636
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