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

Re: Which of these CC's will close my account after BK?

Also, you may want to consider moving this thread to the Bankruptcy area.  This is more a BK question that a CC question.  You may get advice there from folks with more knowledge of BK.

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

Re: Which of these CC's will close my account after BK?

StaringOver10 is right, make sure they are required to vacate the judgement within a fixed amount of time (30 days ?) and provide you with a copy of the order.  That will help you dispute the judgement with the CRAs if it's showing on your report.

 

Also, this is too old for the underlying debt to still be repoprted.  But if it were within seven years from DOFD I would also ask for a non-disclosure.  Lenders may not agree to delete lines from your CR but if they are specifically prohibited from sharing information, when you dispute and they don't verify the line has to come off.

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
Take the FICO Fitness Challenge
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Contributor
Posts: 256
Registered: ‎08-24-2011
0

Re: Which of these CC's will close my account after BK?

Thanks again for the replies. I considered putting this in the BK section but was really just question the survivability of these cards. Its a shame that even though they wont be included i'll still lose them.

 

Hoping plan A comes together and I wont have to start all over again.

 

 

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