11-30-2012 03:25 AM
11-30-2012 03:44 AM
11-30-2012 08:37 AM
Welcome to the forum. If you have an attorney, I would not worry too much about the 341 meeting for CH7. Your attorney should let you know of any problems before the "meeting". It is literally a meeting where you state your name, SSN, etc. and you are asked if everything in your filing is correct and you are under oath. Nothing more, so I don't think you should explain yourself because you will not be before a judge.
The car situation is a little tricky. It looks like you have a replacement but I am not surprised that they are not coming to get the car with such a low balance. So you may have 2 cars. You just want to monitor how it is being reported on your credit report. From this point forward you don't want anymore negative reporting. So make sure they are not continuing to report late payments.
I would wait until after discharge to start applying for new credit. Always start with the Capital One Pre-Approval. They will Pre-Approve/or reject without a hard pull so it will not affect your credit score. If you are unable to be approved through Cap1 then you may have to look at Credit one or First Premier to start building but those come with fees but sometimes you have to start somewhere.
Follow the advice on these boards and your score will be back up.
12-04-2012 06:34 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.