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Established Member
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.




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Moderator
Posts: 21,084
Registered: ‎12-13-2013
0

Re: Received discharge yesterday!!!!

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


EX Fico 08 BC 06/15: 792 (0); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 06/15: 759 (-5)
Valued Contributor
Posts: 2,586
Registered: ‎08-24-2013
0

Re: Received discharge yesterday!!!!

Congratulations on achieving a fresh start financially.

Established Member
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!





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

Re: Received discharge yesterday!!!!

Thank you gdale and ezdriver!





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Regular Contributor
Posts: 227
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 Aug 2013 (Initial CL/Current CL): Cap 1 Venture ($10,000) Cap1 MC ($300/$6300) Cap1 QS ($500/$5750) Walmart ($500/$6000) Amazon ($700/$6000) Barclay's MC ($1300) HSN ($750/ $2950) Lowe's ($900/$5350) 3 Comenity cards totaling $9100. Util: 3%, All PIF with one reporting 9% - Staring FICO scores low 500's, currently high 600's / low 700's.
Valued Member
Posts: 33
Registered: ‎09-16-2013
0

Re: Received discharge yesterday!!!!

Congratulations! I can't wait until my discharge. :smileyhappy:
Established Member
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!




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Established Member
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!




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Member
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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