topic Re: Just received my trustee meeting date.. in Bankruptcy

Just received my trustee meeting date..

Scupra — Sat, 14 Jul 2012 22:10:26 GMT

Hey everyone! New to the board and I just recently found out that my trustee meeting will be on 8/16/12! I am filing CH7 and cant wait to start to rebuild. I once had a 720 score and after a very rough turn in life events sunk deep into debt. I have been reading and researching these boards to gather the knowledge I will need to repair the damage. I am using experian.com to monitor my credit right now but have been reading more and more on "myfico score watch". Just wanted to quick introduce and say a quick thank you to everyone who contributes to the information on this site. Cheers!

Re: Just received my trustee meeting date..

Scupra — Sat, 14 Jul 2012 22:56:43 GMT

One question I did have is, should I switch from experian.com and sign up for the myfico score watch now, or whait it out until my BK is discharged? Thanks again guys!

Re: Just received my trustee meeting date..

Comet21 — Mon, 16 Jul 2012 14:19:04 GMT

I would drop the experian.com because that is not your FICO score. You can only purchase your FICO here. I do not believe you can purchase your Experian FICO anywhere online.

Re: Just received my trustee meeting date..

Scupra — Wed, 18 Jul 2012 01:02:30 GMT

I fully plan on signing up with the score watch I was just wondering when the best time to do that was. It seems like you can only pull from myfico every six months? Please correct me if I am wrong on that. I figured I would want a fresh pull after discharge to be able to dispute things and make sure they were reporting correctly if needed. Thanks again for the help. I just recently got a bank account with Navy federal in preperation to start rebuilding :) Now I just have to wait :/

Re: Just received my trustee meeting date..

Comet21 — Wed, 18 Jul 2012 01:34:43 GMT

You can pull your own credit as many times as you want an it will not affect your score. You get 1 free EQ with your Score Watch service but they send you updates weekly.

Re: Just received my trustee meeting date..

deadbishop — Wed, 18 Jul 2012 04:54:19 GMT

for me i used freecredit (experian) just for the clean up. i loved to watch big balances turn to zero as each account was iib the 2 days after discharge was like a wave of updates bammm zero balance discharged in BK 7. watching scores go up (fako but still fun) even judgments got updated to discharged and one just fell off. it was worth the cost for me to pull a fresh report everyday for just the cost of the monthly plan. i also use smartcredit for TU and myfico for EQ

Re: Just received my trustee meeting date..

Scupra — Wed, 18 Jul 2012 05:22:08 GMT

Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!

Re: Just received my trustee meeting date..

deadbishop — Wed, 18 Jul 2012 05:40:35 GMT

Scupra wrote:
Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!

it is a normal report plus score. you can click it and it will run a new updated report and score for no charge.

Re: Just received my trustee meeting date..

Scupra — Thu, 19 Jul 2012 01:17:54 GMT

deadbishop wrote:
Scupra wrote:
Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!
it is a normal report plus score. you can click it and it will run a new updated report and score for no charge.

Thank you for your help.

Re: Just received my trustee meeting date..

Scupra — Sun, 05 Aug 2012 02:49:46 GMT

Wow! So I am still awaiting my trustee meetin on the 16th and my desert schools repossesion just went iibk and my score jumped to a 642 (experian.com mind you) Very funny to recieve that alert!

Is there anything I should be doing right now to quicken the process? I was just sitting back waiting until after my meeting..

Re: Just received my trustee meeting date..

Comet21 — Sun, 05 Aug 2012 12:40:15 GMT

I would wait until after the Trustee meeting before applying for any credit. But it should update automatically but if you want to spped up the process and start disputing your accounts online that have not been updated. I would not suggest that except with EQ becuase you can dispute online at anytime, however many times you want with EQ. EX you have to purchase a credit report and you can only dispute an account online ONE time. If they verify the account is correct then you are stuck with it, unless you dispute the old fashioned way(US MAIL) with documentation. TU is in between EQ and EX in regards to the online disputing.

Re: Just received my trustee meeting date..

StartingOver10 — Sun, 05 Aug 2012 14:31:36 GMT

I disagree about starting to rebuild during your bankruptcy.

Just wait until its actually discharged and then check your cr reports to see how everything is reporting. There is a lot of activity during those months and you may as well wait until you are after discharge to see how everything will land before you dispute. JMO based on my experience.

Re: Just received my trustee meeting date..

Scupra — Sun, 05 Aug 2012 17:24:13 GMT

I was planning on waiting for my BK to discharge and then sign up for scorewatch to see how everything panned out. At that point i would make sure things are reporting correctly and then apply for new credit slowly. Sound like a good plan?

Re: Just received my trustee meeting date..

MaryJane197 — Wed, 08 Aug 2012 21:03:45 GMT

Defintely check your CR after your discharged. there was several things I had to get fixed on my CR after my BK was discharged.

Re: Just received my trustee meeting date..

Scupra — Fri, 17 Aug 2012 01:28:09 GMT

I had my meeting today! Four minutes and I was done. Now the waiting game :)

Re: Just received my trustee meeting date..

deadbishop — Fri, 17 Aug 2012 05:21:57 GMT

you could get a Pacer account to track your BK.

Re: Just received my trustee meeting date..

MaryJane197 — Fri, 17 Aug 2012 20:56:16 GMT

congrats Scrupa! mine lasted 12 minutes lol

Re: Just received my trustee meeting date..

Scupra — Sat, 25 Aug 2012 17:07:55 GMT

Hey everyone, hope you all are having a good weekend! I had a question relating to credit cards and rebuilding after my chap7. I kept a Cap1 credit card that has a $0 balance through my BK, it has a $500 limit and I have had it since 11/2005 (4 30 days late only) I see that Cap1 is the first card that everybody reccomends after BK but I was wondering what I should do in my case since I already have a Cap1 card. Would applying for another through them still be my best bet, or a different card? Thanks in advance!

Re: Just received my trustee meeting date..

Scupra — Tue, 28 Aug 2012 01:23:35 GMT

Scupra wrote:
Hey everyone, hope you all are having a good weekend! I had a question relating to credit cards and rebuilding after my chap7. I kept a Cap1 credit card that has a $0 balance through my BK, it has a $500 limit and I have had it since 11/2005 (4 30 days late only) I see that Cap1 is the first card that everybody reccomends after BK but I was wondering what I should do in my case since I already have a Cap1 card. Would applying for another through them still be my best bet, or a different card? Thanks in advance!

Anyone? monday bump day :)

Re: Just received my trustee meeting date..

Scupra — Tue, 11 Sep 2012 01:36:58 GMT

Still looking for some advice/opinions