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Discover pre discharge?


Discover pre discharge?

Filed 1/31/18 341 2/28/18
Expected discharge 4/30/18 or soon around that.

Approved for discover secured 3/11/2018.

I don't intend to apply for any more credit until post discharge. And it will be capital one and at least 30 days after. ( Would like to see a credit boost from the discover card first)

Was I wrong to go on and accept the pre-approval and apply?

Can it be closed when my credit reports update once discharged? I'd hate for it to be mistakenly marked IIB per CA.

I got excited knowing how tough discover can be to get. And anxious to get a start on my rebuild.

Any advice input is appreciated.
Message 1 of 6
Valued Contributor

Re: Discover pre discharge?

My BK lawyer said it was ok to open a secured card before the discharge. You should be ok, but I would run it by them first.

Message 2 of 6
New Contributor

Re: Discover pre discharge?

I agree with Tooleman. You should be ok. DW and I both got our Discover secured and Cap One Platinum cards a few week before our ch7 discharge. But it's always advised to wait till after your discharge to start applying for new credit.

Message 3 of 6

Re: Discover pre discharge?

My attorney said it was okay that he didn't see any issues. Simple case, chapter 7, don't see a reason to not be discharged. Trustee already asked to be dismissed.

He wasn't able to answer the questions I asked because he doesn't know what the CRA would do. That he is not an expert in FCRA.
Message 4 of 6
Regular Contributor

Re: Discover pre discharge?

It's fine. I did the same thing.

Starting Scores: EX 528, EQ 501, TU 505 (ch7 bk filed 11-17-17)
Current Scores: EX 651, EQ 615, TU 607 (Discharged 2-21-18)

Message 5 of 6
New Visitor

Re: Discover pre discharge?

I receive many calls from folks in active BK Chapter 13's interested in the possibility of purchasing a home. First thing I tell them (if they haven't already done so) is to open up a secured credit card or two. Specifically, one that allows you to increase your credit limit by increasing the savings account balance. Why? Because you'll get a secondary bump in points when they report the increased credit limit when you can afford to do it. That said, I have contacted many Attorneys, and all have said "Secure Cards" while in a Chapter 13 is not an issue.


As it relates to qualifying for a home, you can be approved for a government loan such as an FHA, VA and USDA Rural Development Loan while in an active Chapter 13. All you need is 12 months on time payments and approval from the Trustee. We go down to 580 middle credit score across the board on government loans. I have helped hundreds of individuals and families get into a home when they thought it wasn't even possible. Hope this helps you. Let me know if you have any questions.

Message 6 of 6