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discharged! 6/27!

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ihatemyscore
Frequent Contributor

Re: discharged! 6/27!

Credit_Me,

 

What CU?

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 11 of 17
Credit_Me
New Contributor

Re: discharged! 6/27!

Aspire Federal Credit Union - www.aspirefcu.org

 

I received my debit card a few days ago and got all the paperwork done via the web with e-signatures. I used the chat feature about 5 days after I initiated the whole online process (they ask 5 dollar opening for savings and if you opt for checking account another small deposit. I did 50 and 50) and applied for the credit builder on the phone. It was pretty fast, following day I was already showing the loan on my online account. Already made my first payment Smiley Very Happy

 


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Message 12 of 17
Credit_Me
New Contributor

Re: discharged! 6/27!

The reason I used the chat feature was because I was eager to get this going and hadn't received my account number. I confirmed a few identity questions and was given my account number, set up the online account and was on my way from there. By the way, I have not set foot on a branch for any of this.

 

Worth to take a look to see if you can sign up for this CU.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Message 13 of 17
ihatemyscore
Frequent Contributor

Re: discharged! 6/27!

Hey,

 

I really appreciate it. I am going to follow up with them. I contacted NavyFed and I might be able to get in back with them.

 

I had a charge off credit card previously before BK and I settled. If I pay the remainder of that and a 40 dollar overdraft, I just might be able to re-establish a relationship with Navy.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 14 of 17
ihatemyscore
Frequent Contributor

Re: discharged! 6/27!

Hey guys,

 

I disputed all the IIB tradelines to discharged on experian. My public record was updated as discharged. But, the CA for the medical debt is updating them as petition chapter 7 bk. I want them to say discharged, as is the selection states and the law.

 

Whats going on they keep verifying petition status only.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 15 of 17
Comet21
Regular Contributor

Re: discharged! 6/27!

It is a tough process and some creditors are not going to do you any favors. You may have to send your discharge paperwork to the CRA if it continues to not be corrected.


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


Take the FICO Fitness Challenge
Message 16 of 17
ihatemyscore
Frequent Contributor

Re: discharged! 6/27!

I think my creditors and debt collectors are going to be tough. I am going to send in the copies of my discharged to all of the credit bereaus. 

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 17 of 17
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