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New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

I'm going crazy!

Waiting for the discharge is killing me!  It'll probably be another 2-3 weeks.  I'm ready for this whole thing to be over with!

 

Arghhhhhhhhhhhhhhhhhhhhhh!!!!

 

Sorry, I had to get that off my chest.

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Frequent Contributor
grassfeeder
Posts: 313
Registered: ‎03-01-2012

Re: I'm going crazy!

I hear ya......my discharge is projected to be completed on Oct. 29 - waiting these next 3 weeks is really tough.....and then once that's had - it's a matter of having the credit reports post correctly - I've also got leins that are going to be removed as well......tons of stuff and I just want the rebuilding to begin......

5/12- EQ FICO - 508 / TU FICO - 490 / EX FAKO - 550 Ch. 7 BK - 7/12 (discharge 10/12)
4/14 - EQ FICO 651 / 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 $650
In the garden starting 3/1/14 till ???
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

Re: I'm going crazy!

Will the status just change to "Included In or Discharged in Bankruptcy"?  My reports have shown this since August/September, all of my accounts show $0 balance.  I wonder if they will need to say something else after the discharge is actually entered...

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Regular Contributor
Comet21
Posts: 204
Registered: ‎08-29-2007

Re: I'm going crazy!

That is it. You just want to make sure all of your accounts IIB, are showing the correct status. I have been fighting with Best Buy/HSBC that will not change it and it is showing as a Charge-Off. I don't know how much of a difference this making so I have stopped fighting it.


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

Re: I'm going crazy!

Did you dispute it with the CB?  I did that for Capital One and New York and Co.  NY&Co updated it, Cap 1 deleted it all together.

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Established Member
Ms_Pooka
Posts: 16
Registered: ‎10-04-2012

Re: I'm going crazy!

Good luck on your road to rebuilding. i am one year out from discharge, and finally seeing a light at the end of the tunnel.

Starting Myfico Scores: 574/571 (9/2012)
Current MyFico Score: 625 (10/22/2012)
Goal: 640 mid score for home purchase by October 2013

App free since 10/23/2012




In the garden until 9/2013!
Credit 1 $300/ Cap1 $500/ Cap 1 Rewards $1000


New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

Re: I'm going crazy!

I just wish I had done it sooner.  The signs were there, I just ignored them, thinking I could fix them. My score now is better than it was before the bk!  That's sad LOL

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660

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