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I just passed my 1 year mark after Chapter 7 discharge and I am incredibly happy with my progress. I lurk on here big time and owe much of my success to these forums! Not only did I secure a new lease with BMWFS the very same month of discharge, but I've got 3 ccs reporting and I feel like I am well on my way to the 700s. My CK scores are already there, but my FICO scores (see siggy) are on the way. I check my scores daily and have worked SO hard. I wanted to say a big thank you to everybody on here for your questions, help and advice.
I received a promotion at work in January and have been socking away big chunks of money each and every month. I have no doubts in my mind that I will be ready for my FHA mortgage in 12 more months (2 years post Chapter 7 discharge) with a 20% down payment.
The whole process has been incredibly humbling and I am so glad that I learned from the BK experience. Thank you all again for your continued support on these forums. Believe it or not, you are saving lives here!!!!!!
I will continue to lurk as I start to prepare myself for the mortgage process. I wish you all the best!!!