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Question - after bk

Moderator Emeritus

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
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 17
New Contributor

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
Message 12 of 17
Regular Contributor

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.

Message 13 of 17
New Contributor

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
Message 14 of 17
Regular Contributor

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?

Message 15 of 17
New Contributor

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
Message 16 of 17
Regular Contributor

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.  

Message 17 of 17