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Fix Bad Credit After Bankruptcy Declaring bankruptcy is not the end of the road for your financial future. What's the difference between a BHPH dealership and a traditional dealership? Depending on the dealerships you visit, very little. Auto loans like all other loans available in market come in two forms - secured and unsecured. Updates will need to be made after your bankruptcy, so you should send information on your discharge to Equifax, Trans Union and Experian, the main credit reporting groups. High Pre-Payment Penalties Predatory lenders like to include things in their contracts that make it nearly impossible for you to refinance your loan. The cars are generally used, and the dealership usually charges more than the blue book value for the cars. Of course, you should not use too many cards or loans or pay back the loans or cards with low payments because the interest will add up over time. You therefore "buy" the car at the dealership and "pay" on the loan at the dealership. Over time, your credit score can improve. If you find it hard to make sense of the different options, the Office of Fair Trading provides its APR and Rebate Calculator for free online. You.


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