topic Re: Chapt 7 BK Was Discharged Today !! :) in Bankruptcy

Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 17:17:42 GMT

I have been checking Pacer since Friday and because of the holiday nothing was showing up, I decided to call the autmoated number to check the status of my Chapter 7 BK and it said "Standard Discharge" so then I went to Pacer and looked and it was Discharged today! I'm so glad this is finally over. SO glad I found this site, now on to the rebuilding!!

How long does it take for scores and stuff to changte in credit reports?

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 00:48:51 GMT

Grats! Have a great cruise and check your scores when you get back. Time to start rebuilding! Which ship are you going on?

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 00:52:07 GMT

Awesome! Congrats, enjoy the vacation and good luck getting that credit up!!

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 23:26:39 GMT

Thank you ! ...... We are so ready, my hubby has been working his butt off and is so tired, time to rest now.

Re: Chapt 7 BK Was Discharged Today !! :)

padme — Wed, 09 Sep 2015 00:56:47 GMT

So you are going on a cruise? Gonna spend big $$? I dont know, after i filed, even though i had a few extra bucks, i tried to stay shallow, getting on a budget, staying away from getting any new debts, i mean it was really hard, just to say no. But it was well worth it, 2 years later, no car note almost 50k in limits, and just now i took a vacation. You gotta get some order in your life..

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 17:20:00 GMT

Re: Chapt 7 BK Was Discharged Today !! :)

Pway — Wed, 09 Sep 2015 01:41:50 GMT

Awesome congrats on your discharge and have fun on your cruise.

Re: Chapt 7 BK Was Discharged Today !! :)

scorpiyo — Wed, 09 Sep 2015 02:40:44 GMT

Congrats. Enjoy the cruise.

Re: Chapt 7 BK Was Discharged Today !! :)

TRC_WA — Wed, 09 Sep 2015 16:14:19 GMT

@Anonymous wrote:
I have been checking Pacer since Friday and because of the holiday nothing was showing up, I decided to call the autmoated number to check the status of my Chapter 7 BK and it said "Standard Discharge" so then I went to Pacer and looked and it was Discharged today! What a great way to start vacation, We are leaving tomorrow night to head to Fl then catching a ship on Sat. I'm so glad this is finally over. SO glad I found this site, now on to the rebuilding!!

How long does it take for scores and stuff to changte in credit reports?

I just put it together with your screen name.... so you filed Ch 7 and are now going on the cruise that you paid for over a year ago.

Thanks for making my morning. You definitely aren't hesitant to broadcast it... I don't think I could.

Re: Chapt 7 BK Was Discharged Today !! :)

yoyo — Wed, 09 Sep 2015 16:34:56 GMT

As soon as it's discharge your report should update within 30 days or less. My hubby's updated within a week going from "BK filed" to "Bk discharged" ...got approved for three cap one cards 1 week after BK.....My advise is to start rebuilding as soon as possible.

Some people wait until years pass to rebuild after a BK. Your score probably already dropped so go to the Pre-qualify site for Cap1;...use heavy; pay often and they will be good to you.

Enjoy your trip.....

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 17:03:51 GMT

@yoyo wrote:
As soon as it's discharge your report should update within 30 days or less. My hubby's updated within a week going from "BK filed" to "Bk discharged" ...got approved for three cap one cards 1 week after BK.....My advise is to start rebuilding as soon as possible.

Some people wait until years pass to rebuild after a BK. Your score probably already dropped so go to the Pre-qualify site for Cap1;...use heavy; pay often and they will be good to you.

Enjoy your trip.....

Thank you Yoyo If you look at my sig at the bottom, You can see what I was approved for today I posted in the credit card thread. I hope things will be updated by the time we come back. Thanks for the info!

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Wed, 09 Sep 2015 17:09:13 GMT

@TRC_WA wrote:
@Anonymous wrote:
I have been checking Pacer since Friday and because of the holiday nothing was showing up, I decided to call the autmoated number to check the status of my Chapter 7 BK and it said "Standard Discharge" so then I went to Pacer and looked and it was Discharged today! What a great way to start vacation, We are leaving tomorrow night to head to Fl then catching a ship on Sat. I'm so glad this is finally over. SO glad I found this site, now on to the rebuilding!!

How long does it take for scores and stuff to changte in credit reports?
I just put it together with your screen name.... so you filed Ch 7 and are now going on the cruise that you paid for over a year ago.

Thanks for making my morning. You definitely aren't hesitant to broadcast it... I don't think I could.

Lol TRC, Glad I made someone's morning Whats the big deal, people have a right to go on vacation don't they ?

Re: Chapt 7 BK Was Discharged Today !! :)

bstone — Wed, 09 Sep 2015 17:12:13 GMT

They sure do, most just don't do it right after they got done telling the courts they don't have money to pay their bills...

To each their own, I suppose.

Re: Chapt 7 BK Was Discharged Today !! :)

TRC_WA — Wed, 09 Sep 2015 17:21:45 GMT

@bstone wrote:
They sure do, most just don't do it right after they got done telling the courts they don't have money to pay their bills...

To each their own, I suppose.

That's the point I was trying to make.

Don't take it personally OP... just saying how I roll. I don't think I could tell people I'm going on vacation after I just told the court I couldn't pay my bills... but as said, to each their own.

Re: Chapt 7 BK Was Discharged Today !! :)

Pway — Wed, 09 Sep 2015 17:25:15 GMT

@TRC_WA wrote:
@bstone wrote:
They sure do, most just don't do it right after they got done telling the courts they don't have money to pay their bills...

To each their own, I suppose.
That's the point I was trying to make.

Don't take it personally OP... just saying how I roll. I don't think I could tell people I'm going on vacation after I just told the court I couldn't pay my bills... but as said, to each their own.

I totally agree.

Re: Chapt 7 BK Was Discharged Today !! :)

Scupra — Wed, 09 Sep 2015 19:57:49 GMT

@Anonymous wrote:
I have been checking Pacer since Friday and because of the holiday nothing was showing up, I decided to call the autmoated number to check the status of my Chapter 7 BK and it said "Standard Discharge" so then I went to Pacer and looked and it was Discharged today! I'm so glad this is finally over. SO glad I found this site, now on to the rebuilding!!

How long does it take for scores and stuff to changte in credit reports?

Congrats on d/c!

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Thu, 10 Sep 2015 00:40:56 GMT

Am I the only one wondering how OP paid for her vacation?

Re: Chapt 7 BK Was Discharged Today !! :)

bstone — Thu, 10 Sep 2015 00:55:00 GMT

Not at all, I'm curious if it was listed as an asset and was somehow covered under exemptions...

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Thu, 10 Sep 2015 02:05:55 GMT

Crusnmore - I see you were discharged this year but already have a venture card. Can you tell me your time frames from discharge to each card and around what your plan has been? Unfortunately my husband and I found this site a bit too late. We were discharged in November 2014 but were too embarressed and thought for sure we were deistitute for years to come credit wise. I found this site by luck one day. I have been following this now for about a month. We have since learned so much! Have gone through our credit reports for accuracy and found our scores are not as bad as we had thought. I am between a 610-653 depending on which credit score I am looking at. After finding this site I did get a Cap 1 Platinum $3000 and a Quick Silver $2000. Wondering how you got the Venture and know it had to do with how quickly you got your first one. Can you please share your rebuild to date? Thank you!

Re: Chapt 7 BK Was Discharged Today !! :)

Anonymous — Thu, 10 Sep 2015 02:51:13 GMT

Our vacation was paid for a long time ago and we did not pay for it, it was paid for by someone else if you must know, not like its really any of your business anyway! Seriously people, just because you file chapt 7 doesn't mean you are not allowed a vacation. It just so happens it was at this time in our life, it was planned long before we filed and I was also in a no fault car wreck on May 1st which totaled my car. I like this forum and the great info but the people that are on these boards I must say are some of the rudest people, makes people not even want to be here. And our atty knows we are taking a vacation and he said enjoy!!