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Posts: 2,509
Registered: ‎07-12-2012
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Just received my trustee meeting date..

Hey everyone! New to the board and I just recently found out that my trustee meeting will be on 8/16/12! I am filing CH7 and cant wait to start to rebuild. I once had a 720 score and after a very rough turn in life events sunk deep into debt. I have been reading and researching these boards to gather the knowledge I will need to repair the damage. I am using experian.com to monitor my credit right now but have been reading more and more on "myfico score watch". Just wanted to quick introduce and say a quick thank you to everyone who contributes to the information on this site. Cheers!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Community Leader
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Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

One question I did have is, should I switch from experian.com and sign up for the myfico score watch now, or whait it out until my BK is discharged? Thanks again guys!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
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Re: Just received my trustee meeting date..

I would drop the experian.com because that is not your FICO score. You can only purchase your FICO here. I do not believe you can purchase your Experian FICO anywhere online.


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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Community Leader
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Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

I fully plan on signing up with the score watch I was just wondering when the best time to do that was. It seems like you can only pull from myfico every six months? Please correct me if I am wrong on that. I figured I would want a fresh pull after discharge to be able to dispute things and make sure they were reporting correctly if needed. Thanks again for the help. I just recently got a bank account with Navy federal in preperation to start rebuilding :smileyhappy: Now I just have to wait :/

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
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Re: Just received my trustee meeting date..

You can pull your own credit as many times as you want an it will not affect your score. You get 1 free EQ with your Score Watch service but they send you updates weekly.

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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Regular Contributor
Posts: 130
Registered: ‎05-19-2012
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Re: Just received my trustee meeting date..

[ Edited ]

for me i used freecredit (experian) just for the clean up. i loved to watch big balances turn to zero as each account was iib the 2 days after discharge was like a wave of updates bammm zero balance discharged in BK 7. watching scores go up (fako but still fun) even judgments got updated to discharged and one just fell off. it was worth the cost for me to pull a fresh report everyday for just the cost of the monthly plan. i also use smartcredit for TU  and myfico for EQ

Bankrupcy 7 Filed 2/20/2012
Discharged 6/18/2012
FICO as of 7/6/2012
TU 630 Classic (04)
EQ 641 FACTA Beacon 5.0
EX 607 Fair Isaac (ver. 2)

Community Leader
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Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Regular Contributor
Posts: 130
Registered: ‎05-19-2012
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Re: Just received my trustee meeting date..


Scupra wrote:

Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!


it is a normal report plus score. you can click it and it will run a new updated report and score for no charge.
Bankrupcy 7 Filed 2/20/2012
Discharged 6/18/2012
FICO as of 7/6/2012
TU 630 Classic (04)
EQ 641 FACTA Beacon 5.0
EX 607 Fair Isaac (ver. 2)

Community Leader
Valued Contributor
Posts: 2,509
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..


deadbishop wrote:

Scupra wrote:

Ok, so when it says I get two power reports per year what is the difference between that and a normal report? That is why I got the idea that I only got two. Thank you for the replies guys!


it is a normal report plus score. you can click it and it will run a new updated report and score for no charge.

Thank you for your help.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Community Leader
Valued Contributor
Posts: 2,509
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

Wow! So I am still awaiting my trustee meetin on the 16th and my desert schools repossesion just went iibk and my score jumped to a 642 (experian.com mind you) Very funny to recieve that alert! 

 

Is there anything I should be doing right now to quicken the process? I was just sitting back waiting until after my meeting..

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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