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New Member
Posts: 10
Registered: ‎02-08-2014
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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
Valued Contributor
Posts: 1,303
Registered: ‎11-14-2013
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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.
New Member
Posts: 10
Registered: ‎02-08-2014
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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
Valued Contributor
Posts: 1,303
Registered: ‎11-14-2013
0

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.
Valued Contributor
Posts: 1,977
Registered: ‎07-12-2012
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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
704 EQ FICO 03/2015
718 TU FICO 03/2015
679 EX FICO 03/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Community Leader
Senior Contributor
Posts: 15,873
Registered: ‎12-13-2013
0

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!

EX Cred Sesame 03/15: 774 (+8) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 790 (-7)
EQ Beacon 5.0 12/14 757
TU Fico 8 03/15: 757 (+3)
New Member
Posts: 10
Registered: ‎02-08-2014
0

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.  :smileyhappy:  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
Established Member
Posts: 25
Registered: ‎11-17-2013
0

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!

Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

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