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Regular Contributor
Posts: 205
Registered: ‎08-29-2007
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Re: Just received my trustee meeting date..

I would wait until after the Trustee meeting before applying for any credit. But it should update automatically but if you want to spped up the process and start disputing your accounts online that have not been updated. I would not suggest that except with EQ becuase you can dispute online at anytime, however many times you want with EQ. EX you have to purchase a credit report and you can only dispute an account online ONE time. If they verify the account is correct then you are stuck with it, unless you dispute the old fashioned way(US MAIL) with documentation. TU is in between EQ and EX in regards to the online disputing.


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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Super Contributor
Posts: 5,928
Registered: ‎03-06-2010
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Re: Just received my trustee meeting date..

I disagree about starting to rebuild during your bankruptcy.

Just wait until its actually discharged and then check your cr reports to see how everything is reporting. There is a lot of activity during those months and you may as well wait until you are after discharge to see how everything will land before you dispute. JMO based on my experience.

Community Leader
Valued Contributor
Posts: 2,502
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

I was planning on waiting for my BK to discharge and then sign up for scorewatch to see how everything panned out. At that point i would make sure things are reporting correctly and then apply for new credit slowly. Sound like a good plan?

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: 147
Registered: ‎01-05-2009
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Re: Just received my trustee meeting date..

Defintely check your CR after your discharged. there was several things I had to get fixed on my CR after my BK was discharged.
01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551
07/28/2014: - Transunion:487 / Equifax:467 ,/ Experian: 574
08/04/2014: - Transunion:516 / Equifax:555 ,/ Experian: 584


07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
Community Leader
Valued Contributor
Posts: 2,502
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

I had my meeting today! Four minutes and I was done. Now the waiting game :smileyhappy:

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..

you could get a Pacer account to track your BK.
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)

Regular Contributor
Posts: 147
Registered: ‎01-05-2009
0

Re: Just received my trustee meeting date..

congrats Scrupa! mine lasted 12 minutes lol

01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551
07/28/2014: - Transunion:487 / Equifax:467 ,/ Experian: 574
08/04/2014: - Transunion:516 / Equifax:555 ,/ Experian: 584


07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
Community Leader
Valued Contributor
Posts: 2,502
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

Hey everyone, hope you all are having a good weekend! I had a question relating to  credit cards and rebuilding after my chap7. I kept a Cap1 credit card that has a $0 balance through my BK, it has a $500 limit and I have had it since 11/2005 (4 30 days late only) I see that Cap1 is the first card that everybody reccomends after BK but I was wondering what I should do in my case since I already have a Cap1 card. Would applying for another through them still be my best bet, or a different card? Thanks in advance!

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: 2,502
Registered: ‎07-12-2012
0

Re: Just received my trustee meeting date..


Scupra wrote:

Hey everyone, hope you all are having a good weekend! I had a question relating to  credit cards and rebuilding after my chap7. I kept a Cap1 credit card that has a $0 balance through my BK, it has a $500 limit and I have had it since 11/2005 (4 30 days late only) I see that Cap1 is the first card that everybody reccomends after BK but I was wondering what I should do in my case since I already have a Cap1 card. Would applying for another through them still be my best bet, or a different card? Thanks in advance!


Anyone? monday bump day :smileyhappy:

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: 2,502
Registered: ‎07-12-2012
0

Re: Just received my trustee meeting date..

Still looking for some advice/opinions

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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