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Hey hope yall can help! BK7 discharged last week. Had (1) Auto Loan with Onyx Acceptance paid in Full within 1 years time of 17K. on CR. from 3 or so years ago.

I have two vehicles both dying-- one quicker than the other paid for... I need to get a truck. I only want to spend around 10K. Should I just go to a buy here/pay here? The Local dealership said I needed a 540score on Equifax for 'Special Financing" and they use Onxy as one of their lenders.

I only have about 500 dollars to put down... And of course I want to rebuid my credit as quick as possible. I am scared to rack up to many inquiries and then get denied.

Do I even have a chance or what do I do?


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