re: Bad credit auto loan, big down payment

I've done a lot of research on it lately and a fair amount of time when a BK falls off of your credit report it hurts your credit score. It could take a while to bring it up anyway. If I get an 8% loan and double up on the payments I wouldn't get hurt that bad. I know I can be disciplined enough to do it because I had a Harley with a cosigner that I bought at 22 when I was blowing money like crazy and I made myself pay it off 2 years early.