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BK7 Discharged!

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
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
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
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
Community Leader
Senior 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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 5 of 8
Moderator

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!

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 8
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
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