After a BK in 2014, I have worked diligently to reeastablish myself. My BK was mostly due to an extremely terrible divorce where filing was the only way to recover, but after it was discharged I had a clear strategy to increase my score. Which I did. I went from a 550 to a 698 in a matter of 6 months, and once I started having issue after issue with my Volkswagen, I decided to invest in a Toyota 4Runner. I originally went with the intention to lease, but was denied due to the BK. It took two days, but the finance department worked so hard to find a way to get me financed, so I was approved for an auto loan through TFS for a 2016 4Runner. My interest is 7% which isn't the BEST, but my BK was discharged in February of 2015 so I think it's pretty incredible, and I will definitely re-finance as I contine to build. My advice if you're rebuilding is to spend a good few months proving your creditworthiness prior to applying for anything. In my case, I believe TFS pulled my Equifax. Amazing experience thus far and I intend to pay this car off before the 6 year loan term. Good luck!
EQ: 698 TR: 664 EX: 630