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Shogun
Posts: 7,604
Registered: ‎04-15-2011

Re: Question - after bk

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‎09-26-2012 06:42 AM

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

Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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4us-
Posts: 90
Registered: ‎08-06-2012

Re: Question - after bk

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‎09-26-2012 08:16 AM

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
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coreyb80
Posts: 94
Registered: ‎07-26-2012

Re: Question - after bk

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‎09-26-2012 08:51 AM

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.

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4us-
Posts: 90
Registered: ‎08-06-2012

Re: Question - after bk

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‎09-26-2012 08:56 AM

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
Message 14 of 17 (314 Views)
 
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coreyb80
Posts: 94
Registered: ‎07-26-2012

Re: Question - after bk

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‎09-26-2012 10:32 AM

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?

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4us-
Posts: 90
Registered: ‎08-06-2012

Re: Question - after bk

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‎09-26-2012 10:51 AM

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
Message 16 of 17 (293 Views)
 
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coreyb80
Posts: 94
Registered: ‎07-26-2012

Re: Question - after bk

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‎09-26-2012 11:33 AM

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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