Discharge shows in Pacer now what?

[Anonymous]

i just searched Pacer and found that I've been discharged as of 6/23/15. I know now that I need to start rebuilding. I just need to figure out where to get my 3rd credit card from now that I have Cap1 Quicksilver1 and a Platinum Card both at $300 limits each. I also bought a new car 3/27/15 that should start reporting soon, and I also have student loans that need to be rehabbed. Any advise would be helpful.

[starry1]

You've made an excellent start, and you really don't HAVE to have a 3rd card yet, the two you have plus the installment loan will do.  I think its best right now for you to start cleaning up your credit report.  Make sure each negative entry has a $0 balance and says IIB (included in bankruptcy).  That will go a long way to clean up your report.  Read a lot on the rebuilding forum to learn how to get your report cleaned up.  Good luck!

[Anonymous]

Well everything on my report was updated correctly, it's been showing IIB and $0 balances since last month. I guess I'm so excited this process is over from CH.7 I just wanna roll full steam ahead. I know this will take time and have been lurking the forum for a few months now. I just feel really free right now.

[dt3813]

I was discharged 6/24 and it's true i really just feel free.  I was in Jail and now I'm free....really I'm in a "halfway house or work release" until, my reports are completely clean, but I'm still freeeeeee!

[beezer32]

Sounds like you already have your ducks in a row! Not sure what advice you're seeking now. If your reports are showing IIB and zero balances on accounts and you already have a couple of cards, my advice to you would be to nurture the credit you already have and slowly rebuild. Maybe one more tradeline but that's good enough. I think your goal should be to ride it out for a while and don't be tempted to take on more debt.