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Just got discharged! YAY

Just got discharged! YAY

Hi everyone!

 

Just wanted to update everyone on my progress. I recently wrote that I was having trouble with CheSystems - I got that figured out and currently bank at Chase.

 

I now have three Credit Cards - 1. Capital One 2. First Premier 3. Milestone. (Each have $300 limits). I use them and pay them off.

 

I also recently applied for the Capital One Blank check autoloan and was approved! Smiley Very Happy I was so excited/happy. I should get my check by the end of the week and plan on purchasing a new car. 

 

(Prior to that though, I recieved a nice promotion from my work - so everything is working out nicely.)

 

I am so happy for this community which gave me the courage to start over and file for Chapter 7.

 

I got discharged 1/27/13.

 

If I can do it, anyone can! 

Message 1 of 15
14 REPLIES
Senior Contributor

Re: Just got discharged! YAY

Congratulations on that significant milestone. May the seas of credit use and management be smooth for you going forward.

Message 2 of 15
Valued Member

Re: Just got discharged! YAY

Did you apply for all three cards after the discharge on 1/27?

Discharged 4/25/14
Scores as of 4/24/14: Equifax 590 Transunion 636 Experian ?
Capital One Quicksilver $500.00 Firestone $1000
Message 3 of 15
Contributor

Re: Just got discharged! YAY

CONGRATS!!! Thanks for posting this with out this I would have never known about milestone credit card which I was just approved for as my first c. card since discharge thanks again!! And good luck with purchasing your new car!!

Message 4 of 15
Established Member

Re: Just got discharged! YAY

Congrats! I just discharged on 2/3/14! I'm excited to rebuild and to NEVER be in this mess again.





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Message 5 of 15
Moderator

Re: Just got discharged! YAY

Grats to your success, onward & upward Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 15
Member

Re: Just got discharged! YAY

Congratulations. I recently file chapter 7 in dec and have had my 341 meeting on jan. 13. 2014. I am awaiting discharge. My situation is sensitive so i won't go into alot of details. Could you please tell me what your credit score was when capital one approved you for the blank check program. Many thanks and congrats

Message 7 of 15
Frequent Contributor

Re: Just got discharged! YAY

Congrats!!! I remember how wonderful I felt when I received my discharge on my ch 13, three years after I filed.

 

Congrats on the uncoming new car, too.  Do you know what you are buying yet??  And what kind of rate applies to something like the Cap 1 blank check auto loan???

 

I brought my new SUV in June 2013 at 2.9%, but believe me, I remember the high interest rates and never want to see them again.

 

I hope all goes well now that u are out from under the BK.

 

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 694/EX - 702/TU - 696
Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $2,750 Kohl's $5k / Barclay Rew $2,150 / Barclay Commence MC $2,400 / NFCU Visa Sig Cash Rew $17k / Lowes $12k / Best Buy $5.8k / NFCU LOC $15k / Walmart MC $5,000 / Chase Freedom $1,500 /, Discover IT $10k / Citi DC $2.5k / AMEX BCE $1k / Citi Simplicity $3k
Message 8 of 15

Re: Just got discharged! YAY

I appied to First Premier before Discharge and Capital One and Milestone after discharge. =)

Message 9 of 15
Frequent Contributor

Re: Just got discharged! YAY

Looks like you dodged a bullet since you applied for credit BEFORE discharge, unless of course you had approval from the Trustee??? Reason I ask is if you apply for credit without the Trustees prior approval, your BK could be and would likely be dismissed and that would be a very bad thing... 

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 694/EX - 702/TU - 696
Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $2,750 Kohl's $5k / Barclay Rew $2,150 / Barclay Commence MC $2,400 / NFCU Visa Sig Cash Rew $17k / Lowes $12k / Best Buy $5.8k / NFCU LOC $15k / Walmart MC $5,000 / Chase Freedom $1,500 /, Discover IT $10k / Citi DC $2.5k / AMEX BCE $1k / Citi Simplicity $3k
Message 10 of 15