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Moderator
Posts: 13,571
Registered: ‎04-15-2011
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Re: Question - after bk

Time heals all wounds, I just wish it would hurry up!   Good Luck



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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New Contributor
Posts: 90
Registered: ‎08-06-2012
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Re: Question - after bk

I included Capital One as well.... I am going to wait for discharge before I try to apply with them.  My fiance got a card from them that I am an AU on, so I am hoping that will help me.  

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Regular Contributor
Posts: 107
Registered: ‎07-26-2012
0

Re: Question - after bk

When I did apply with them I got a letter in the mail stating unpaid obligations with them.  That's when I said I will wait till discharge and then try my luck.

New Contributor
Posts: 90
Registered: ‎08-06-2012
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Re: Question - after bk

Have they updated your CR yet?  All of my accounts with them now have a 0 balance and say "included in bankruptcy."  One of them was still reporting a balance, so I disputed it as IIB and they changed it to 0 balance, pays as agreed and closed.  Weird.  Should I wait all the way for the actual discharge?

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Regular Contributor
Posts: 107
Registered: ‎07-26-2012
0

Re: Question - after bk

If your CR has been updated then you're good to go.  I need to check mine.  Where did you check yours without incurring a fee?

New Contributor
Posts: 90
Registered: ‎08-06-2012
0

Re: Question - after bk

I just did "Initiate a DIspute" on the credit bureaus website.  Then I could look at everything and dispute away. 

 

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Regular Contributor
Posts: 107
Registered: ‎07-26-2012
0

Re: Question - after bk

Just checked mine and it hasn't been updated as of yet, but I did a file a dispute on a few accounts in the meanwhile.  

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