topic Re: There is hope! in Bankruptcy

There is hope!

Bankrupt2019 — Sun, 08 Mar 2020 04:26:23 GMT

So I went from being discharged BK7 in 12/4/19 to these scores today. The hardest part of the whole process was commiting to filing. Compared to the stress of filing BK, the credit rebuild is easy and fun!

Re: There is hope!

blindambition — Sun, 08 Mar 2020 04:37:41 GMT

@Bankrupt2019 wrote:
So I went from being discharged BK7 in 12/4/19 to these scores today. The hardest part of the whole process was commiting to filing. Compared to the stress of filing BK, the credit rebuild is easy and fun!

Continued success on your rebuild. Easier to have fun when there's positivity and no stress cloud matching every move.

Re: There is hope!

AllZero — Sun, 08 Mar 2020 04:54:07 GMT

Congratulations on your success!

Re: There is hope!

Bankrupt2019 — Sun, 08 Mar 2020 05:06:45 GMT

@blindambition wrote:
@Bankrupt2019 wrote:
So I went from being discharged BK7 in 12/4/19 to these scores today. The hardest part of the whole process was commiting to filing. Compared to the stress of filing BK, the credit rebuild is easy and fun!

Continued success on your rebuild. Easier to have fun when there's positivity and no stress cloud matching every move.

It helps having the ability to fully manipulate the reporting. Next month I should have AZEO so hopefully even more of a boost. I had a tiny balance on all of the cards just so they reported something for the first month or 2. So I was likely being penalized for that.

Re: There is hope!

Harriet — Sun, 08 Mar 2020 05:24:22 GMT

My discharge date is close to yours, the 11th.
My scores are much lower but I didn't start my rebuild til February 3rd. Got my three cards but 2 aren't reporting yet. Both are from NFCU. How long did yours take to report?

I'm at 616 experian, 627 equifax and 601 experian.

Your numbers are awesome!! Congrats!

Re: There is hope!

Bankrupt2019 — Sun, 08 Mar 2020 05:30:50 GMT

@Harriet wrote:
My discharge date is close to yours, the 11th.
My scores are much lower but I didn't start my rebuild til February 3rd. Got my three cards but 2 aren't reporting yet. Both are from NFCU. How long did yours take to report?

I'm at 616 experian, 627 equifax and 601 experian.

Your numbers are awesome!! Congrats!

I believe my NFCU card reported after the first full statement cycle.

Re: There is hope!

Bankrupt2019 — Sun, 08 Mar 2020 05:32:50 GMT

@AllZero wrote:
Congratulations on your success!

Thanks! I also forgot to add that my Share Secured Loan is at 10% so I'm hoping to see a boost when it drops to 8% next statement.

Re: There is hope!

AllZero — Sun, 08 Mar 2020 05:35:12 GMT

Oh nice! Please do report back. Would be interested to see how many points you can get.

Re: There is hope!

Anonymous — Sun, 08 Mar 2020 12:41:14 GMT

Congratulations on your success! 👍