Reply
New Contributor
Posts: 90
Registered: ‎08-06-2012
0

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
Posts: 401
Registered: ‎03-01-2012
0

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......

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 677 (02/15)
TU FICO: 651 (02/15)
EX FICO: 671 (02/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650
New Contributor
Posts: 90
Registered: ‎08-06-2012
0

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
Posts: 205
Registered: ‎08-29-2007
0

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


Take the FICO Fitness Challenge
New Contributor
Posts: 90
Registered: ‎08-06-2012
0

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
Posts: 16
Registered: ‎10-04-2012
0

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
Posts: 90
Registered: ‎08-06-2012
0

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
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.

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.