If you have a 700 credit score but your chapter 13 just discharged what interest rates will you be able to find?

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2026-03-18 01:50

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With a 700 credit score and a recently discharged Chapter 13 bankruptcy, you may still face higher interest rates compared to those without a bankruptcy on their record. Lenders typically consider the bankruptcy when assessing risk, which can lead to rates that are 1-3% higher than average, depending on the type of loan. However, your relatively good credit score can still help you secure more favorable terms than someone with a lower score. It's advisable to shop around and compare offers from multiple lenders.

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