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Established Member
pjenny1973
Posts: 11
Registered: ‎06-20-2014
0

had may 341 meeting today! :) NOW WHAT?

Had my 341 meeting today, All went well. Thank god!! Now whats the next step that I need to take on clearing up my credit reports?, and rebuilding credit? I tried a capital one pre qualification and got a response saying couldnt find any credit card offers for you at this time! Im lost

Valued Contributor
0REDSOX7
Posts: 1,239
Registered: ‎11-14-2013
0

Re: had may 341 meeting today! :) NOW WHAT?

No you wait the 60 days.

Don't apply for credit until you get your discharge in hand. Instead, work on getting your reports cleaned up.
BK Discharge 2/11/14

Currently in the garden.
Frequent Contributor
grassfeeder
Posts: 375
Registered: ‎03-01-2012
0

Re: had may 341 meeting today! :) NOW WHAT?

no you don't post a single question or do anything until you have read every post of this thread:

 

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

 

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 672 (10/14)
TU FICO: 648 (10/14)
EX FICO: 667 (10/14)
NFCU cashRewards $18,000 - NFCU Flagship Visa $18,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
In the garden starting 3/1/14 till ???
Valued Contributor
ezdriver
Posts: 1,916
Registered: ‎08-24-2013
0

Re: had may 341 meeting today! :) NOW WHAT?

[ Edited ]

Your case is not over until the discarge has been granted by the bankruptcy judge. Next step is you wait for the discharge. After that, pull your three credit reports from annualcreditreport.com and revie the reporting on every tradeline and public record's entry. Your objective is tor ensure that everything is reporting accurately [IIB and zero balance] for the tradelines listed in your bankruptcy schuedule.

 

Much has been posted on this topic so do some serching/reading of relevant material on this forum and follow the recommendation offered because many of us have been there and done that.

 

All the best creating and maintaining a robust credit profile.



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
pjenny1973
Posts: 11
Registered: ‎06-20-2014
0

Re: had may 341 meeting today! :) NOW WHAT?

Pulled my credit reports today, and alot of them are chapter7 discharged, EXCEPT one it says chapter 13 petition.. what is this?? And what can I do to fix it?? Please please let me know. Thank you in advanced
Valued Contributor
0REDSOX7
Posts: 1,239
Registered: ‎11-14-2013

Re: had may 341 meeting today! :) NOW WHAT?

Dispute it.

Could be an error. You may have to upload a copy of your petition and schedule of creditors, but, shouldn't be that big of a deal.
BK Discharge 2/11/14

Currently in the garden.

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