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BK7 Discharged!

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CrazyCatLady75
New Member

BK7 Discharged!

I received notice that my Chapter 7 was officially discharged.  What a great feeling to be debt free!

 

What I would like to know is how long do I wait to start the repair process?  Do I sign up for the My Fico product and the three credit scores right away or do I wait a month?

 

Thanks in advance.

BK 7 Discharged 02/14
My Fico Score 587 02/08/14
My Fico Score 633 04/16/14
Message 1 of 8
7 REPLIES 7
0REDSOX7
Valued Contributor

Re: BK7 Discharged!

If I may ask, when was the last day for your creditors to object to a discharge?

Mine was 2/4 and am waiting patiently for it to come.

Congrats to you and good luck rebuilding!!!!
BK Discharge 2/11/14

Currently in the garden.
Message 2 of 8
CrazyCatLady75
New Member

Re: BK7 Discharged!

02/02/2014 but I received notification today that it is on my report by Experian. 

BK 7 Discharged 02/14
My Fico Score 587 02/08/14
My Fico Score 633 04/16/14
Message 3 of 8
0REDSOX7
Valued Contributor

Re: BK7 Discharged!

Good stuff. I hope mine is this week. I can't wait to get started rebuilding.
BK Discharge 2/11/14

Currently in the garden.
Message 4 of 8
Scupra
Super Contributor

Re: BK7 Discharged!


@CrazyCatLady75 wrote:

I received notice that my Chapter 7 was officially discharged.  What a great feeling to be debt free!

 

What I would like to know is how long do I wait to start the repair process?  Do I sign up for the My Fico product and the three credit scores right away or do I wait a month?

 

Thanks in advance.


Congrats on the d/c!!!! Look for the "how to bk to 700 in 24 months" thread so you can get a general outline for rebuilding. It will answer a lot of your questions. Feel free to ask any questions you have. Congrats again

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
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Message 5 of 8
gdale6
Moderator Emeritus

Re: BK7 Discharged!

Congrats on your discharge. Start your rebuild now by getting hard copies of all your reports, get all your ducks in a row (all reporting IIB, etc) and then app for some credit. Good luck!

Message 6 of 8
CrazyCatLady75
New Member

Re: BK7 Discharged!

Last night I signed up through My Fico and got my score, which is a 587.  Then I got my 3 free credit reports and I have about 3 things wrong on each, including 2 balances showing on Transunion.

 

I will be getting some letters written this week.  Smiley Happy  Looking forward to the new chapter in my life.

BK 7 Discharged 02/14
My Fico Score 587 02/08/14
My Fico Score 633 04/16/14
Message 7 of 8
JLinCA
Established Member

Re: BK7 Discharged!

Congrats! I received my discharge on 2/3! My reports needed to be cleaned so I mailed off disputes to all three CRA. Cheers to clean credit!




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Message 8 of 8
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