HOW TO: From BK7 discharge to 700 in 24 months or less!

[Scupra]

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@grassfeeder wrote:

Boom!  Discover and Cap One Venture all in a weeks time.....and now I'll hibernate....

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Woooooooooooooo! CONGRATS!

[Anonymous]

What if I already have a secured Capital One Platinum card? Can I still do this and have it work? What steps should I omit, if any?

[Anonymous]

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@cjsiege wrote:

Thanks! The Prestige rep said they don't see why it was declined but they mail a letter with the reason within 30 days (I think that's required by law?). Anyways. I guess I'll give Santander a shot. From reading others' posts I'm expecting 15%+ but as you say, 6 perfect payments means I can refi with Navy Federal. Yay.

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Crap, I'm stuck.

Santander: Approved only with $3k minimum down payment (how I'm supposed to have that after discharge on a no-asset BK7 is anyone's guess)

Navy Federal: Nope

Prestige (again): Nope

What now?

I hate having this many inquiries, but it seems like letting the dealer take a shot at it might be my only play now. I was also thinking of stopping by my Navy Federal branch on the way home to see if I could chat with their loan officer about what I need, but I'm not optimistic about that.

[Anonymous]

How long after discharge should I wait to look at my credit report to make sure everything is reporting accurately?  I apologize if this has been answered.  I tried to read through all pages, but running short on time.  Thanks.

[Anonymous]

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@Anonymous wrote:

How long after discharge should I wait to look at my credit report to make sure everything is reporting accurately?  I apologize if this has been answered.  I tried to read through all pages, but running short on time.  Thanks.

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Sign up for Creditkarma (ignore the scores) and you can check your TU and EQ reports free. You can and should start disputing anything included in your BK ASAP (i.e. before discharge) so that it shows up as $0 balance/IIB. The CRAs only update once a month typically but the sooner you dispute wrong things the sooner it will be right and you can move on.

[Anonymous]

Thanks cjsiege!  I do have a creditkarma account, so ill start there.  

[Anonymous]

I applied online for the Zappos store card by Chase and received an automated message that my application must be reviewed. Do I wait for the result or do I use the backdoor number for Chase immediately to request a review?

[grassfeeder]

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@Anonymous wrote:

I applied online for the Zappos store card by Chase and received an automated message that my application must be reviewed. Do I wait for the result or do I use the backdoor number for Chase immediately to request a review?

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doesn't hurt to call and recon now.  I will ask though, why did you apply for that card?  Have you read where they are BK friendly?  What are you scores?  From what I've seen, Chase isn't the most BK friendly lender out there.  Don't apply for store cards because you think they're easy.

[Anonymous]

Thanks for the input Grassfeeder. I came to the forums late - almost 2 years after my BK - so I'm kind of trying to follow the suggested path the best I can. However, I just now initiated the credit report clean up (there is still one credit card showing a balance owing even though it was in the BK - awaiting for dispute process to run it's course).

As to applying for credit cards -  I've had the Cap1 card for almost 2 years now with a perfect payment history so I figured that would help with new card applications.  As to why the Chase card specifically - was ordering shoes from Zappos and liked the $25 off with credit card approval. I didn't think it could  hurt to try.

I had 28 years of perfect credit prior to the BK so I know what that looks like. I'm in no particular hurry to get a specific credit score - my goal is to get back to "normal" which would be 3-4 revolving credit accounts with a a good payment history.

This has been a wonderful resource and I wish I had found it and followed the advice sooner. The credit bureaus don't make it terrible easy to fix errors but I have found with persistence you can get it done.

[Chilli]

Ok, as many of you know that I followed this plan to the point. I only have 1 last thing on my report...a judgment on EQ. eq refused to delete this judgment that was IIB and voided./discharged.  EX and TU deleted the judgment upon my discharge.

I had filed many, many disputes and a complaint with the CFPB against EQ because they are reporting this judgment as satisfied and the amount for over a year after my discharge. The satisfaction date they reported was inaccurate because it was 3 months past my discharge date thus giving the appearance that I had paid the judgment 3 months after my discharge.

i had posted a message asking MYFICO members a question about this judgment. I was advised to file a motion to vacate on the grounds that it was IIB and discharged.

heres where it gets strange and I need advise on how I should handle this issue. 

The judge granted my motion to vacate the judgment BUT in her order it states, "the judgment became void on 1/2014" my discharge date! 

AND EQUIFAX REPEATLY VERIFIED THIS JUDGMENT AS ACCURATE. AND REFUSED TO DELETE THIS VOID judgment...saying a bankruptcy does not void and removed judgments...and CONTINUED REPORTING THE AMOUNT AND SATISFIED.

FYI...I'm sending this order to EQUIFAX to have it deleted...

what should I do? should I let this go or is there something else I should or could do about EQUIFAX non compliance.