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Member
SwipeToUnlock
Posts: 9
Registered: ‎12-03-2013

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! :smileyvery-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! 

Valued Contributor
ezdriver
Posts: 1,365
Registered: ‎08-24-2013

Re: Just got discharged! YAY

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



Starting Score: 618
Scores on 10/9/13: EFX 652, XPN 669, TUC 662
Scores on 3/17/14: EFX 649, XPN 677, TUC 681
Goal Score: 720 ALL


Take the myFICO Fitness Challenge
Valued Member
summerjune
Posts: 42
Registered: ‎01-27-2014

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
New Contributor
vtguy25
Posts: 68
Registered: ‎07-10-2013

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!!

Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013

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.


Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

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Valued Contributor
gdale6
Posts: 8,069
Registered: ‎12-13-2013

Re: Just got discharged! YAY

Grats to your success, onward & upward :smileyhappy:

EX Cred Sesame 07/14: 770 ; EX Fico8 Bankcard 06/14: 811
EQ Fico 05/14 781 ; EQ MPM 06/14: 765
TU Fico8 06/14: 719; TU MPM 06/14 706
Member
nurse0528
Posts: 16
Registered: ‎01-03-2014

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

Regular Contributor
Legal_Girl
Posts: 132
Registered: ‎02-22-2013

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.

 

EQ FICO Lender pull 6/6/14 = 687
EX FICO Lender pull 6/6/14 = 709
TU FICO Barclay & Lender pull 6/6/14 = 711
Cap 1 Quicksilver One $3.5k // Credit One $1,675 // First National $2k // Kohl's $1,500 // Barclay Rew MC $4,000 // Sallie Mae MC $3,800 // NFCU Visa Signature Cash Rewards $10k
Member
SwipeToUnlock
Posts: 9
Registered: ‎12-03-2013

Re: Just got discharged! YAY

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

Regular Contributor
Legal_Girl
Posts: 132
Registered: ‎02-22-2013

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... 

EQ FICO Lender pull 6/6/14 = 687
EX FICO Lender pull 6/6/14 = 709
TU FICO Barclay & Lender pull 6/6/14 = 711
Cap 1 Quicksilver One $3.5k // Credit One $1,675 // First National $2k // Kohl's $1,500 // Barclay Rew MC $4,000 // Sallie Mae MC $3,800 // NFCU Visa Signature Cash Rewards $10k

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