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Hi All! I had my 341 meeting this morning and it went really well; I was done in less than 2 minutes. For those that are fretting over it the Trustee asked all of the questions that are on the "questionaire" ie Have you filed for BK protection before? Did you read all of your papers? etc. Then I was done!
My attorney said that since I dont have to go back, I can begin my rebuild: after I got home this morning I went and filed online disputes on all three bureaus for BK included accounts to reflect $0 and Included in BK. I also sought out the Cap One PreQual tool and was given the option for the Quicksilver and the Platinum. I applied and was approved for a SL $500. Its not much but I was just chuffed that I had an instant approval. This is my first step towards rebuilding my financial profile and Im so unbelievably happy right now!
Next is aging my new CU checking account so I can qualify for a credit builder loan and card in 90 days time (want to try for both at the same time so I dont waste a pull; if I am denied for one or the other, I will then get a second card with Cap One; age them for a year with the objective of upgrading and/or combining the cards at the end of 12 months.
Thank you once again to each of you for giving me the confidence to start my rebuild on solid footing. It's been a hell of a few years and I finally feel like things are getting better.
Congrats! I would tread lightly with obtaining credit while not discharged.
@BearsAndTurtlesRtheBest wrote:
Congrats! I did not know you could apply that soon for a CC.
I agree, that is news to my ears. I was told to not begin rebuild until after my dischage.