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Just got discharged! YAY

Re: Just got discharged! YAY

My attorney said it was fine since the card had such a low credit limit. 

Message 11 of 15
Frequent Contributor

Re: Just got discharged! YAY

Wow!!!  I have never worked in the BK field, but I should have had your attorney maybe instead of mine.  He used to send out letters every few months with reminders of things to do and not to do.. Applying for any credit was a no no.  I use to get letters from Cap 1 and Credit One during BK but shredded them.   Probably just a difference in lawyers... but the good thing is you are well on your way to re-establishing your credit and that is a wonderful feeling.  Good luck.

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 12 of 15
Member

Re: Just got discharged! YAY

Hi Swipe,

 

Congratulations!! If you don't mind what were the terms of your Capital One Auto loan and what were your scores?

Message 13 of 15
New Contributor

Re: Just got discharged! YAY

congratulations! Smiley Happy


Ch13 filed 3/2009 : discharged 1/2014
Starting 2/16/2013:
EQ673 TU667
Current 12/04/2017: EX732 EQ829 TU837
Goal: 850

Take the myFICO Fitness Challenge
Message 14 of 15

Re: Just got discharged! YAY

My scores were 528 EX - 626 TU - 639 EQ

 

I recieved a heftt 16% APR for my car loan but Im happy. Prior to BK this was something I was never able to achieve and I recently recieved a nice promotion at work.

 

I plan on refinancing anyways at around the 6 month mark with a local credit union.

 

Thanks!


bdciegall wrote:

Hi Swipe,

 

Congratulations!! If you don't mind what were the terms of your Capital One Auto loan and what were your scores?


 

Message 15 of 15