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Which one should I pay? My mortgage or my auto loan?
31st December 2009
My credit is trashed as it is, so rule that out. I am late 23 days on the mortgage, but only 12 days behind on my car loan. The lender with the car loan is Capital One Auto Finance. If I pay the mortgage late, it will show up on my credit report, which is trashed, but if I could salvage anything it would be a late mortgage payment. I dont want the car repossessed though, it would seriously destroy my life, no means to get to work, etc.
Can I get a mortgage loan (000) with an auto repossession on my credit? The vehicle was repossessed a few months ago, but I worked out a payment with the bank to pay the deficiency balance, and I have been paying that since the repo. Will I be able to get a mortgage? I went to my credit union and they said the default balance would have to be paid in full before I could get a mortgage, but I know some people who have bad credit get a mortgage.