Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
Re: Zero Consumer Debt filing for Bk can I keep any of my 16 cards

Ask your attorney about reaffirming.  Remember, the judge has to approve reaffirmations, if you can reaffirm it might make sense to reaffirm sayyour three best cards.

 

Your score hit will be reduced because while negatives from before filing remain, you'll have none.  Since you won't have discharged any debt on any of these cards (but it may be a problem if you discharged business debt to the same creditor) you may have an easier time regaining accounts..

 

Most cards monitor BK filings and will shut off even if you don't list them on your schedules.

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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