02-28-2013 09:27 AM
Just filed yesterday. I am happy to have the weight lifted off. I have one final question. I currently bank with Chase. I included their freedom card in my BK. My question is will they take my direct deposits from my employer? Should I find a different bank until my BK is discharged? My CC is just 2 days past due at this point, but I know they will get notice of my bk filing within the next few business days.
Thanks in advance.
02-28-2013 11:21 AM
I moved my money just in case because I included my bank as a creditor when I filed but nothing ever happened so I just moved everything back over after discharge.
02-28-2013 12:40 PM
02-28-2013 01:48 PM
Thanks for the info! On a side note, just got my checking acct setup at NFCU. I am planning on using them as a secondary checking account to start building a relationship with them. That way when my bk is discharged, it is already est.
Thanks again for the info!
03-01-2013 07:27 AM
I've heard wonderful things about NFCU. Personally, if I were you, I wouldn't even bother with a different credit card company. It seems like they would let you start off with a secured card and then convert to an unsecured with good use. They are also generous with their credit lines and they have so many different credit products that you can establish multiple credit accounts with them.
Good luck OP!
03-01-2013 09:32 AM
I would say to make NFCU your PRIMARY banking institution! They are wonderful and will be willing to give you a chance post BK. I have no complaints about them and didnt think twice about dropping Chase for them.
03-01-2013 09:52 AM
Yeah, I ended up moving all my money there yesterday and will be starting my direct deposit on my next paycheck. I haven't apped with them yet, but I plan on doing it either May/June or around November. I haven't decided yet. I don't need them reporting yet because I managed to get three TLs this last week, so I may just sit baak and let those report for 6/7 months.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.