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Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013
0

Received discharge yesterday!!!!

Thank you all for your posts. I have written letters to the CRA to update all accounts and will mail today. I am a NFCU member and will get the nRewards secured card today. I will then follow SoulMasters plan to the tee! Minus CapitalOne as they were IIB.

Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

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Valued Contributor
gdale6
Posts: 9,262
Registered: ‎12-13-2013
0

Re: Received discharge yesterday!!!!

Grats, now is the time to start your rebuild as you have indicated :smileyhappy:

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Valued Contributor
ezdriver
Posts: 1,672
Registered: ‎08-24-2013
0

Re: Received discharge yesterday!!!!

Congratulations on achieving a fresh start financially.



Starting Score: 618
Scores on 10/9/13: EFX 652, XPN 669, TUC 662
Scores on 3/17/14: EFX 649, XPN 677, TUC 681
Goal Score: 720 ALL


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Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013
0

Re: Received discharge yesterday!!!!

Just mailed off my letters to all three CRA with CMRRR. Best $19.47 spent this month!


Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

Take the myFICO Fitness Challenge

Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013
0

Re: Received discharge yesterday!!!!

Thank you gdale and ezdriver!


Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

Take the myFICO Fitness Challenge

Contributor
Divaofsongs
Posts: 144
Registered: ‎11-25-2013
0

Re: Received discharge yesterday!!!!

Congrats! I don't know who Soulmaster is or his/her plan but I can tell you that I had a Cap 1 card IIB and my Chapter 7 was discharged in Aug of 2013 and they gave me 2 unsecured cards in Sept. of 2013, just one month later. My husband also was approved for 2 cards with Cap 1 right after BK7 and his limits were 300 and $2000 respectively. He also included Cap 1 in our BK. Also,  we both had Wal-mart and Barclay's Bank IIB and we just got approved for a Barclay's Bank MC today with a $1500 limit for me and $1800 for him, and a Walmart card 5 months ago with a $400 starting limit and just got a CLI of $900 a couple of days ago. Cap 1 also financed my new car in Sept 2013 with zero down and gave me 14.49% interest, which is not too bad for being less than a month out of BK. There is definetely hope after BK! I have been blown away at how easy it has been. Good luck on your journey. 

Cards since Chap 7 BK Discharge 08/13 (Initial CL/Current CL): Cap1 MC ($300/$1600/$4600) Cap1 QS ($500/$2500) Walmart ($500/$3000) Amazon ($700/$1900) Barclay's MC ($1500/CLI SOON!) HSN ($750/ $1150) Lowe's ($900/$1900) Util: 2%, All PIF with one reporting 9%
Starting Score: 525Current Score: 657Goal Score: 700+

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Valued Member
lizz01
Posts: 33
Registered: ‎09-16-2013
0

Re: Received discharge yesterday!!!!

Congratulations! I can't wait until my discharge. :smileyhappy:
Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013
0

Re: Received discharge yesterday!!!!

Thanks DivaOfSongs! My score is still in low 500's. I think once my NFCU secured card hits my credit report I'll be good to go with a Cap1 card!

Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

Take the myFICO Fitness Challenge

Established Member
JLinCA
Posts: 25
Registered: ‎11-17-2013
0

Re: Received discharge yesterday!!!!

Thanks lizz01! The hardest part of waiting was the time after the last day for creditors. By then you're so anxious to start the rebuild process. Good luck!

Starting Score: 497
Current Score: FICO TU - 493 EQ - 571 EX - 519
Goal Score: 700

Take the myFICO Fitness Challenge

Member
purplepenguin7
Posts: 16
Registered: ‎09-12-2013
0

Re: Received discharge yesterday!!!!

Congrats! I'm waiting for mine. Good to hear you have a fresh start and a plan!

2010 score: 570
2013 score: 540
Ch 7 filed 11/13
Score 2/14: 625
Score after discharge (late 3/14): 632
Goal: 675 by 2015

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