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DISCHARGEEEEEEEEEE

Community Leader
Senior Contributor

Re: DISCHARGEEEEEEEEEE

I checked that site two time a day I think!! Lol
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 11 of 18
New Contributor

Re: DISCHARGEEEEEEEEEE

Congrats!! I did the very same thing. PACER was awesome and it only charges quarterly and if its less than $10 (i think) in the pages you have accessed its no charge. You know that after the expiration date for the creditors technically according to the courts there is a 10 day grace period for creditors to still file..but after that if your discharge has not posted you can call the courts and the clerk can discharge you immediately!!! That is what I did..

 

Question for you though. I filed in May starting scores were right around yours. I discharged in August on 16th. Got a new car, CAP 1 credit card, LB credit card and NYandcompany credit card, your scores are 30-40 points higher than mine. What did you do for such a significant jump


Starting Score: 467
Current Score: 661
Goal Score: 795


Take the FICO Fitness Challenge

Post BK Wallet: Target VISA $10,000 (AU) | NFCU Credit Card $5,000| Walmart $1100| Cap One Platinum $3000 | Amazon $1150 | Discover It Card $500 | Cap One Secured $500 | PayPal Smart Connect $500 | Lane Bryant $1130| Dressbarn $750 |NY & Company $250| Victoria's Secret $250 | Target Store Charge $200 |Capital One Auto Finance
Message 12 of 18
New Contributor

Re: DISCHARGEEEEEEEEEE

CAP1 financed my new car 2 days after being discharged from CHPT 7 BK this year in August . So happy searching!!!!


Starting Score: 467
Current Score: 661
Goal Score: 795


Take the FICO Fitness Challenge

Post BK Wallet: Target VISA $10,000 (AU) | NFCU Credit Card $5,000| Walmart $1100| Cap One Platinum $3000 | Amazon $1150 | Discover It Card $500 | Cap One Secured $500 | PayPal Smart Connect $500 | Lane Bryant $1130| Dressbarn $750 |NY & Company $250| Victoria's Secret $250 | Target Store Charge $200 |Capital One Auto Finance
Message 13 of 18
New Contributor

Re: DISCHARGEEEEEEEEEE

Just call your Court clerk they can do it immediately over the phone. This is what I did back in August. When she uploaded as we chatted on the line I saw it immediately through PACER


Starting Score: 467
Current Score: 661
Goal Score: 795


Take the FICO Fitness Challenge

Post BK Wallet: Target VISA $10,000 (AU) | NFCU Credit Card $5,000| Walmart $1100| Cap One Platinum $3000 | Amazon $1150 | Discover It Card $500 | Cap One Secured $500 | PayPal Smart Connect $500 | Lane Bryant $1130| Dressbarn $750 |NY & Company $250| Victoria's Secret $250 | Target Store Charge $200 |Capital One Auto Finance
Message 14 of 18
Highlighted
Regular Contributor

Re: DISCHARGEEEEEEEEEE


DonMzBhavin wrote:

Congrats!! I did the very same thing. PACER was awesome and it only charges quarterly and if its less than $10 (i think) in the pages you have accessed its no charge. You know that after the expiration date for the creditors technically according to the courts there is a 10 day grace period for creditors to still file..but after that if your discharge has not posted you can call the courts and the clerk can discharge you immediately!!! That is what I did..

 

Question for you though. I filed in May starting scores were right around yours. I discharged in August on 16th. Got a new car, CAP 1 credit card, LB credit card and NYandcompany credit card, your scores are 30-40 points higher than mine. What did you do for such a significant jump


What expiration date are you referring to and how do I find this date out?  I filed Chp. 13.  Not sure if this applies to me??  Haven't seen it on any of my documents.  I've always been nervous about calling the court for fear of saying the wrong thing. 

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 15 of 18
New Contributor

Re: DISCHARGEEEEEEEEEE


DonMzBhavin wrote:

Congrats!! I did the very same thing. PACER was awesome and it only charges quarterly and if its less than $10 (i think) in the pages you have accessed its no charge. You know that after the expiration date for the creditors technically according to the courts there is a 10 day grace period for creditors to still file..but after that if your discharge has not posted you can call the courts and the clerk can discharge you immediately!!! That is what I did..

 

Question for you though. I filed in May starting scores were right around yours. I discharged in August on 16th. Got a new car, CAP 1 credit card, LB credit card and NYandcompany credit card, your scores are 30-40 points higher than mine. What did you do for such a significant jump


I got a jump when my hubby added me as an AU on his Cap1 card.  He wants me to apply there...I'm nervous because I included a few of their cards in my bk....I hate seeing "declined."  I'm going to try though! 

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Message 16 of 18
Regular Contributor

Re: DISCHARGEEEEEEEEEE

Congrats OP.  I'm waiting for me and my wife discharge to come through any day now.

Message 17 of 18
Frequent Contributor

Re: DISCHARGEEEEEEEEEE

Just got my discharge yesterday afternoon.....I'm stoked!  I haven't received any notifications from myfico alerts or anything yet.

 

Excited to start rebuilding - did the pre-qual for Cap 1 but it still says nothing matching yet......hopefully that changes within the next week/month.

 

 

Message 18 of 18