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Discharged!

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bstone
Frequent Contributor

Discharged!

Checked Pacer this morning, discharge was official yesterday!  Time to rack up the debt again.  LOL.  J/k.  A huge weight has officially been lifted and I can't wait to rebuild and be back in the position of credit I was just a few short years ago.

 

I have learned a lot from everyone here over the past few months and appreciate all the advice I have been provided.  I look forward to following the BK - 700 plan over the next couple of years and putting all of this behind me.

NFCU Rewards - $18,000, NFCU Signature - $18,000, NFCU LOC - $15,000, Care Credit - $7,700, Lowe's - $6,400, Capital One QS - $5,000, Walmart - $5,000, Amazon - $4,000
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: Discharged!

Congratulations, enjoy your new start.

Message 2 of 9
Anonymous
Not applicable

Re: Discharged!

Congrat's !!  A wonderful feeling.Smiley Happy

Message 3 of 9
gdale6
Moderator Emeritus

Re: Discharged!

Grats on your discharge Smiley Happy

Message 4 of 9
Scupra
Super Contributor

Re: Discharged!

Congrats!!! Such a great feeling

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 5 of 9
tallin32
Valued Member

Re: Discharged!

That's an awesome feeling!  Even better than the sudden, blissful silence when the phone calls from prior collection accounts stop with the automatic stay.

Current cards:
  • Amex Gold (NPSL)

  • Amex Gold (NPSL)

  • Amex Platinum (NPSL)

  • Amex Green (NPSL)

  • Amex Platinum for Schwab (NPSL)

  • Amex BCP ($10,000)

  • Delta SkyMiles Reserve ($19,000)

  • Marriott Bonvoy Brilliant ($10,000)

  • Hilton Honors Aspire ($3,700)

  • Amex Blue Business Plus ($15,000)

  • Bill World Elite MC ($10,000)

  • Citi Custom Cash ($4,000)

  • Capital One World Elite Mastercard ($4,300)

  • Mercury Mastercard ($3,650)

  • Discover IT ($3,300)

  • Apple Card ($5,750)

  • NFCU Flagship Rewards ($11,000)

Message 6 of 9
padme
Established Contributor

Re: Discharged!

Smiley Happy

 

Being discharged is like the greatest feeling ever

Just actually going to the meeting at court

you'll know you are free now

Please dont get more than 1 -2 credit cards

dont even apply for them, take any money

you can and open a RothIRA and start saving

that money, you'll have such a feeling of joy,

you'll try to explain to others, but they cant

possibly understand. Just remember you are

making like 20-30% on every $1 you save

by being freed from the damn credit cards.

Message 7 of 9
Scupra
Super Contributor

Re: Discharged!


@padme wrote:

Smiley Happy

 

Being discharged is like the greatest feeling ever

Just actually going to the meeting at court

you'll know you are free now

Please dont get more than 1 -2 credit cards

dont even apply for them, take any money

you can and open a RothIRA and start saving

that money, you'll have such a feeling of joy,

you'll try to explain to others, but they cant

possibly understand. Just remember you are

making like 20-30% on every $1 you save

by being freed from the damn credit cards.


3 credit cards is actually how you optimize your FICO score. Not that I have anything against saving money but in todays world credit is pretty much needed.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 8 of 9
Pway
Valued Contributor

Re: Discharged!

Congrats on the Dischage.  It is such an excellent feeling. Let the rebuilding begin.  Smiley Very Happy

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 9 of 9
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