topic Re: Discharge question in Bankruptcy

Discharge question

morganfofo — Fri, 27 Jun 2014 03:29:34 GMT

The last day for objections from creditors was June 23. This morning PACER showed me discharged.

Do the credit reports change after you're discharged? How long should I wait to apply for credit one? Right now their prequalifier has nothing for me.

Re: Discharge question

simi_go — Fri, 27 Jun 2014 04:12:26 GMT

@morganfofo wrote:
The last day for objections from creditors was June 23. This morning PACER showed me discharged.

Do the credit reports change after you're discharged? How long should I wait to apply for credit one? Right now their prequalifier has nothing for me.

The reports can take up to 30 days or so to update. Check the capital one prequal site.

Re: Discharge question

gdale6 — Mon, 30 Jun 2014 03:01:07 GMT

@morganfofo wrote:
The last day for objections from creditors was June 23. This morning PACER showed me discharged.

Do the credit reports change after you're discharged? How long should I wait to apply for credit one? Right now their prequalifier has nothing for me.

Grats on your discharge, DO NOT APP FOR ANY CREDIT right now, the first thing you want to do is request all your CRs 30 days from the discharge by US Mail and then make sure all creditors are reporting correctly 0 balance, IIB, you will need to dispute any that are not reporting correctly, once your reports are in order then you can proceed to app for new credit.

Re: Discharge question

morganfofo — Mon, 30 Jun 2014 03:04:16 GMT

Thanks!

Re: Discharge question

ezdriver — Mon, 30 Jun 2014 16:56:32 GMT

@gdale6 wrote:
@morganfofo wrote:
The last day for objections from creditors was June 23. This morning PACER showed me discharged.

Do the credit reports change after you're discharged? How long should I wait to apply for credit one? Right now their prequalifier has nothing for me.
Grats on your discharge, DO NOT APP FOR ANY CREDIT right now, the first thing you want to do is request all your CRs 30 days from the discharge by US Mail and then make sure all creditors are reporting correctly 0 balance, IIB, you will need to dispute any that are not reporting correctly, once your reports are in order then you can proceed to app for new credit.

Good advice. I agree completely.