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Member
Krizno
Posts: 22
Registered: ‎07-01-2013
0

Hello all questions

Hello,
I am in the process of filing chapter 7. I am part of a credit union and want to sign up at nfcu. My brother used l have a account when he was in the navy so I'm good. But should I open it now or after my chapter 7 is done. I was thinking post bankruptcy. Thanks everyone. Also I am an au on my dw sams card should I remove myself before filing? And if I don't do I have to include it? I pay it so I can just go online and remove my self if necessary then add my self back after discharge. Thanks again.
Frequent Contributor
grassfeeder
Posts: 345
Registered: ‎03-01-2012
0

Re: Hello all questions


Krizno wrote:
Hello,
I am in the process of filing chapter 7. I am part of a credit union and want to sign up at nfcu. My brother used l have a account when he was in the navy so I'm good. But should I open it now or after my chapter 7 is done. I was thinking post bankruptcy. Thanks everyone. Also I am an au on my dw sams card should I remove myself before filing? And if I don't do I have to include it? I pay it so I can just go online and remove my self if necessary then add my self back after discharge. Thanks again.

I suggest you carve out about 2-6 hours and read through this forum.  There is a wealth of information on steps to take.  I would wait to do everything POST discharge of your Chapter 7.  I'd also remove yourself as an autohorized user, you can always be added down the road.

5/12- EQ FICO - 508 / TU FICO - 490 / EX FAKO - 550 Ch. 7 BK - 7/12 (discharge 10/12)
6/14 - EQ FICO 674 / 4/14 - TU FICO - 636 / EX FICO - 654

NFCU cashRewards $10,000 - NFCU Flagship Visa $8,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
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New Member
GettingBack2Basics
Posts: 8
Registered: ‎06-29-2013
0

Re: Hello all questions

I don't think it would hurt to open an account with them now. That way you'll have a little history with them by the time you begin applying for credit after your bk discharges.

Established Contributor
aussiesareforever
Posts: 740
Registered: ‎10-04-2010
0

Re: Hello all questions

If you open an account now, there is a good chance they will close it when you file BK. Wait and open after you file. NFCU is bankruptcy friendly. I agree with the previous poster, do a lot of reading and pace yourself.
BK in 2008, after making very stupid financial decisions.

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FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)


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