Credit Card Center Advertiser Disclosure

Reply
Established Member
Posts: 23
Registered: ‎01-04-2016
0 Kudos

Few Questions BK7 almost to my Discharge!

Hello all....

 

Got a few questions about my BK that looks like that will be scheduled around the first week of May! 

 

First, I have been trying to clear up my reports before the discharge but having some hard times with a few creditors. 

 

1) First is the deficiency with my repo balance from 2015 when my car with Repo'd with CHASE BANK. Roughly $11k was stilled owed. I have been in contact the past few weeks with Chase's BK department. At first they transfered me around a few times, but I finally got somebody who helped. She said they still owned the balance and it wasn't with collection company. She said she updated her records with my BK case #, and my lawyers number. How long does it take for them to correct this on my CR. They have to update it to Zero and included in BK correct?

 

2) Second, I'm having another issue with WEBBANK AKA FingerHut which was also included in BK. They won't update to Zero Balance because they are saying they have to have the courts pay them? The supervisor kept saying we need to have the courts pay us. This is what I am thinking: In my case no assests were taken from me, and I didn't give up anything, so no money from me went to the courts. Is this what they are wanting to see if they may get any money from the courts to be split up between the creditors? Do I just have to wait till the discharge? 

 

3) Conns my creditor for my furniture (Couch & Mattress) didn't show up at my 341 meeting back in March. I have yet to hear from there and counting the days till my discarge. They haven't done anything in my credit reports (doesnt say Included in BK, isn't reporting late, says its current, but still has the same balance of roughly $2600). should I be concerned about something. I'm scared to call them. What should I do? 

 

4) LAST sorry for the long post..... On my Equifax (highest scores) isn't showing my BK. I have my first Chapter 7 from 2009 showing but not this second from 2017. Only my TU and Experian show it. 

 

Thank you all for your help and you all mean so much! Smiley Happy 

Scores on the day of BK file: 02/08/2017: EFX: 490, TU: 562, EX: 526


Scores on the day of 341 Meeting: 03/09/2017: EFX: 508, TU: 504, EX: 449

Scores on the day of discharge w/ everything reporting 0 IIB: EFX: 532, TU: 508, EX: 479

As of: August 28th, 2017: (7 months since date of filing): EFX: 574, TU: 567, EX: 550

CREDIT CARDS:
Discover IT Secured: $200 Limit
Reflex Mastercard: $500 Limit


Loans: $21k Car Loan 2017 Hyundai Tuscon @ 12% - First Investors
Valued Member
Posts: 39
Registered: ‎10-12-2008
0 Kudos

Re: Few Questions BK7 almost to my Discharge!

Someone with more knowledge will answer shortly, but it's my understanding that they have until the BK is discharged to update on the CR, and many will not update till then. But I personally have no patience, so I started disputing them on the CR. Most have now updated. I will then dispute any who didn't correct once the discharge comes through.

Rebuilding from BK 7
EQ-554 TU-567 EX-542 ~ Day of Filing (2/2017)
EQ-559 TU-496 EX-510 ~ Day of Discharge (6/2017)
EQ-668 TU-670 EX-658 ~ Current (8/17)
Live, learn, and overcome
Established Member
Posts: 32
Registered: ‎08-04-2011
0 Kudos

Re: Few Questions BK7 almost to my Discharge!

I hope fingerhut doesn't try this with me. They are a big company and knows the rules of bk. I'm just starting on my journey but already had 1 collection removed, shocked as they call me 10 times a day. Good luck

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.