I must say that I read these forums everyday and at night when I get off work. The information here has given me so knowledge and hope for life after bankruptcy. Here is my story:
Filed CH 13 on 3/5/15 and converted to CH 7 on 08/16. 341 meeting was 11/16. I had to file due to cut hours at my state job for a year which put me in a major bind. I had many medical bills from several surgeries, student loans over 100K, and burned Barclay, Credit One, Capital one(small amounts), Walmart, VS, Buckle, Express, and Gap. But in 2011 I had a Captial One card that I paid well on but closed after I paid it off....don't ask me why.
My scores on 11/16 were EX 489, TU 509, EQ 520. So I applied for the Discover Secured IT card and approved. Just put $200 on it to get an idea of the card. Then Caap1 QS gave me $500. Scores are now according to myFICO: EQ: 609, TU:532 EX: 494 but on creditkarma my scores are TU: 686 and EQ: 657. Credit wise has me TU: 686. My bankrate has the same scores as Credit karma and after applying for a checking account with Discover it has my score at 621. Overall utilization is at 7%.
So, my question is what is my next step and which scores do I believe?
