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Community Leader
Valued Contributor
Posts: 2,276
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

Just checked my score with score watch and updated sig :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
Frequent Contributor
Posts: 401
Registered: ‎03-01-2012
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Re: Just received my trustee meeting date..

wow, you're kidding me?  I've never seen scores that high having just filed with no rebuilding already......650 and 670?  amazing.

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 677 (02/15)
TU FICO: 651 (02/15)
EX FICO: 671 (02/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650
Community Leader
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Posts: 2,276
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

[ Edited ]

grassfeeder wrote:

wow, you're kidding me?  I've never seen scores that high having just filed with no rebuilding already......650 and 670?  amazing.


No kidding here. I was pretty surprised when I looked as well. Any advice on which card I should apply for first? I posted the original question on page 2 but I currently already have an open cap1 card with a $500 limit and want to know which card to go after next. I iibk an orchard bank card so I wasnt too sure about them....maybe barclays?

 

edit: score watch guesses another $500 limit card would put me in the 660-670 range. I do have a navy fed account and was thinking the secured but would prefer an unsecured card. On the other hand a relationship with them beyond checking/saving sounds like a good plan. Thanks!!!

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: 2,276
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

DISCHARGED!!!!!!!! Just opened a $500 secured card through Navy fed and I also kept a $500 cap one credit card through the BK. So stoked to start rebuilding!

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
New Contributor
Posts: 90
Registered: ‎08-06-2012
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Re: Just received my trustee meeting date..

Congrats!!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Valued Member
Posts: 47
Registered: ‎10-11-2012
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Re: Just received my trustee meeting date..

Contratulations!

 

I have been through Chapter 7 and while I am not proud of it, I can say that I felt like the weight of the world had been lifted off of my shoulders when it was done.

 

I wish you the very best and remember to read the "How To...after BK" that is posted here.  I would have givein anything to have had that when mine was discharged 4 years ago!!

 

 


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


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Community Leader
Valued Contributor
Posts: 2,276
Registered: ‎07-12-2012
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Re: Just received my trustee meeting date..

I have read over that process so many times! Haha, thank you for the kind words. I didn't want to file either and felt like BK was a bad word. I waited and waited, only prolonging what needed to be done, and when a company threatened a lawsuit over some medical bills I pulled the trigger. I am glad I did it now though. I am ready to start rebuilding and getting my credit back where it used to be. I already have a capital one card that I kept through the BK that has 7yrs of good history (3 30 day lates maybe) when I check the pre approval on capital ones website I get two offers but fear my BK won't show discharged on my report yet and really don't want a hit/decline.
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: 2,276
Registered: ‎07-12-2012
0

Re: Just received my trustee meeting date..

My poor little TU score has not changed what so ever during my early BK journey.. Makes me so sad haha.. Its the only one that is below a 600 now. Hopefully a couple months of good payments on my open cards will help that soon.. Meh, just ranting because I just updated all my scores. Thanks for listening

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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