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New Member
Posts: 2
Registered: ‎08-15-2012
0

What to do???

What should I be doing while I am waiting on a discharge? Can I apply for any cc? Work on the dispute process? 

 

Thanks!

Fre

Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
0

Re: What to do???

Be sure you have copies of your credit reports.  Otherwise there's not much you can (or IMHO should) do before discharge.

 

You want the credit reports to deal with behavior post discharge, I had some creditors take closed accounts and recast them as IIB which makes them negative.  Because I could prove how they reported before filing I was able to get them to report correctly, without proof I don't know what success I would have had.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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