I had my 341 hearing a few weeks ago and applied for an orchard bank card.  Everything is reporting as IIB, except 1 account so I'll wait until discharge to dispute that again.  My scores haven't really moved.  I was wondering what else I can do to increase my scores.  I still have 3 CC's reporting (i'm still waiting on orchard to show up.  How long does that usually take?).  I've decided to return my car and drive my mom's used car until I can get a new car with better scores.  Please let me know anything else i can do to aid in the rebuilding. Thanks. ... View more

hey Anemo, glad to see you back.  your scores are awesome!  my 341 hearing got pushed back to 3/30.  I'm still trying to get everything reported correctly.  still have 2 accounts on equifax and 2 on TU that don't read IIB.  Hopefully soon so I can start the rebuild!! ... View more

Wantsanewhouse, How soon after filing did you get a new car?  I'm upside down on my car and the bank said I either have to reaffirm or they're taking the car.  I have to have a car, but don't want to be upside down. ... View more

Thanks Beautifull.  Those are from myfico.  I just pull from cct to look at how things are reporting.  In a few weeks I plan to apply for orchard bank.  Did you have any cards that weren't included in bk because they had a 0 balance that survived after filing?  I'm wondering if mine will. ... View more

UPDATE: The BK now shows on all 3 reports, but my scores aren't that bad with them.  EQ=533 and TU=522.  From CCT, Experian has everything included in BK.  Hopefully when the rest show IIB and 0 balance it will boost the score somewhat. ... View more

Did you reaffirm?  I filed ch 7 on friday and am trying to figure out what to do about my car.  I called us bank who the loan is with and they said i'd have to either reaffirm or they'd take the car. ... View more

I finally filed yesterday and am wondering if I should wait until after my 341 hearing which is scheduled for March 10 to start the rebuild or if I should start now?  Should I be calling to dispute that things should read IIB or just wait until it happens?  Also, is it too soon to get a secured card?  Should I wait until after the hearing?  Thanks. ... View more

Thanks for the encouragement Beautifull.  I am dropping off all the paperwork today and should be able to file soon.  I know my scores will drop once I file but I'm prepared to get them going back up.  You're scores are great post-BK. ... View more

Congrats on the score increase.  I should be filing my ch7 in the next few weeks.  I'm looking forward to beginning the repair process soon! ... View more

Beautifull, I have been reading this thread since it started and wanted to say that you and Anemo have been such a help and inspiration.  I am filing ch 7 bk due to divorce and know that I will get out of it ok.  Thanks for sharing your story. ... View more