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Capital One Auto Loans After Discharged Bankruptcy?

Has anybody had the experience of applying for a Capital One Auto Loan after a discharged bankruptcy? How Long? What were the results?

Not knowing to much about Capital One, but as with other lenders it depends on how long ago the bankruptcy was discharged. In real estate transactions it goes about 4 to 5 years depending on the lender and what is on your credit report and what your credit score is. It took me 4 years to get my credit score from a 580 to 739 after a bankruptcy was discharged in Sept. of 2002

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I work with Capital -One every day. they are one of my largest banks and are very good about working with people that have suffered bankruptcy. I have seen them approve people that took their credit card division down in their B.K. for a vehicle loan.

As soon as you get your discharge papers.
Special Finance Manager for over 7-years.
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I filed bankruptcy in September of 2005 in November 2005 I purchased a 2005 Nissan Sentra and when my husband needed a car he actually needed me to cosign and that was in January 2006. So both my vehicles are financed by capital one. What I can say to you is that after filing for bankruptcy and having it discharged make three additional copies mail one to each bureau Experian, Equifax, Transunion and then make sure you have the debts that were discharged reflecting discharged on your credit report. My credit score went from a 420 to 620 in six months with the negative debt removed and my new car loan reporting. Be careful about applying for new financing and make sure to check your credit at least once a month for the first three to four months because some creditors keep reporting you owe them even though the debt was included in bankruptcy. You may even have to mail copies of the bankruptcy papers to them. in the end though you will not have trouble financing like people make it out as long as you fix your credit to remove the negative debt so the positve debt you have created will show.
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