Reply
New Member
Posts: 10
Registered: ‎02-08-2014
0

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: 1,361
Registered: ‎11-14-2013
0

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
0

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: 1,361
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.
Community Leader
Valued Contributor
Posts: 2,531
Registered: ‎07-12-2012
0

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
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Moderator
Posts: 20,078
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 Fico 08 BC 05/15: 792 (+2); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 05/15: 764 (+7)
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!




"" height="50">


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.