Hi All, Thanks so much for your help/input on my car lease situation. A new question arises. My BK was discharged in 8/2000. I had a auto loan with Ford that was discharged in that filing. I held onto a car lease that was reporting paid as agreed until 10/2002 when Wells Fargo changed its policy and began reporting it as included in BK. My lease term is up and I am planning to turn in the leased vehicle and to purchase a new/used vehicle. My credit history since the BK is clean. Equifax is 657. Experian is 645 and TU is 674 I just joined a credit union yesterday for reasons that are self evident. Am seeking recommendations for financing. THANKS SO MUCH! Mirage7