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Rebuilding after Ch 7 BK... Not sure what to do next...

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NotTellinYou
New Contributor
‎04-20-2013 03:17 PM
‎04-20-2013 03:17 PM

Re: Rebuilding after Ch 7 BK... Not sure what to do next...

I agree with FocusedAndDetermined.  You need to stop focusing on NEW credit and just keep paying what you have ON TIME.  It's not like you need anymore credit to start the rebuilding process.  I can not say enough how important it is that from now on you DO NOT miss any payments.  After 6mos to a year try again.  Keep the inquiries low too!

Starting Score TU: 520
Current Score TU: 815. EX: 806. EQ: 819

Chase Freedom $20k, WellsFargo $12k, Barclay $5k, BCU $15k, Discover $5k, USAA $7k, Lowes $8k, Home Depot $10k, Citi $13k, Apple $15k, Credit One, $20k, NFCU, $25k, Arvest $35K
Message 11 of 12
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Scupra
Super Contributor
‎04-23-2013 05:20 PM
‎04-23-2013 05:20 PM

Re: Rebuilding after Ch 7 BK... Not sure what to do next...

Are you able to join any BK friendly credit unions? Like NFCU? Start doing your business through someone who isnt going to punish you for the next 10yrs. That way you will have a relationship to build off of when the time comes. Keep your head up!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 12 of 12
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