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Established Member
Posts: 50
Registered: ‎11-06-2012
0

Re: Score bump after discharge?

Usually within days - somehow those reports are run daily and they update quite quickly, I got discharged on a Tuesday and by Thursday it had hit my reports as discharged.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Established Member
Posts: 50
Registered: ‎11-06-2012
0

Re: Score bump after discharge?

But if you are trying to do something immediately like buy a car or such, you can log into Pacer and print the discharge record and most if not all creditors will accept that, you probably wont get the mailing from the court for about 7-10 days after the discharge.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

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Community Leader
Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
0

Re: Score bump after discharge?

[ Edited ]

I'm going to NFCU the Saturday after I get my papers, and I'm on Pacer so I won't have to wait for them to arrive in the mail.  Wish me luck, I'm hoping that since my scores are now about (or very close to) 600 that they will let me have an unsecured card.  But I do have cash in hand if they want me to secure first.  Its about an hour's drive to the nearest branch, so I'm planning on Saturday.  I got a big score bump 2-3 weeks ago, but I'm being disciplined and not pulling my TU report and just waiting for the free update in March or wait until CK says the discharge has hit and then pull.  My fakos are TU 620, EX 592, Equifax 622.  The real scores, as I know them, are in my signature.

 

I was financed for a car two weeks after filing, so that's not an issue.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Community Leader
Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
0

Re: Score bump after discharge?

[ Edited ]

Well that was fast. Experian already updated to discharged from Friday the 15th. I got a Sesame alert at 430 this morning and then an MPM alert at 930. No score bump as I predicted. Other than that judgment, I left one derog just for the age. Maybe I'm wrong and should try to get it removed. It will drop this fall either way.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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