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3 weeks post ch 13 Discharge

thebotti39
Member

3 weeks post ch 13 Discharge

Well, its been 3 weeks, I have received a Capital One with 1000k limit, Kohls with 300.00 limit, and approved for FHA mortgage for 310k...so I am in the process of getting back to a normal life. This time , no balances will be carried except mortgage.

Message 1 of 8
7 REPLIES 7
tnvols
New Contributor

Re: 3 weeks post ch 13 Discharge

We are down to our last Chp 13 payment so discharge within 60 days.  Which Cap One card is it and did you get a mailer or see any pre approval for it or just rolled the dice?

 

Oct 2017 Scores MyFICO FICO 8

Equifax 633
TU 582 (Suck it TU)
Experian 615


July 2018 Scores MYFICO 8
Equifax 700
TU 674
Experian 689


November 2019 Scores(24 mos post CH13 discharge) MYFICO 8
Equifax 783
TU 799
Experian 794
Message 2 of 8
grillandwinemaster
Valued Contributor

Re: 3 weeks post ch 13 Discharge


@thebotti39 wrote:

Well, its been 3 weeks, I have received a Capital One with 1000k limit, Kohls with 300.00 limit, and approved for FHA mortgage for 310k...so I am in the process of getting back to a normal life. This time , no balances will be carried except mortgage.


You got approved for an fha mortgage 3 weeks post bk?? 


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 3 of 8
luxeprw9
Frequent Contributor

Re: 3 weeks post ch 13 Discharge


@grillandwinemaster wrote:

@thebotti39 wrote:

Well, its been 3 weeks, I have received a Capital One with 1000k limit, Kohls with 300.00 limit, and approved for FHA mortgage for 310k...so I am in the process of getting back to a normal life. This time , no balances will be carried except mortgage.


You got approved for an fha mortgage 3 weeks post bk?? 


My question as well!  I'm 1 year post CH13 discharge and I can't find a lender willing to touch me!  But it could be because I only want a "known" company or credit union.

 

Congrats OP!  You are doing fantastic!!

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 4 of 8
Scupra
Super Contributor

Re: 3 weeks post ch 13 Discharge

Aren't you able to get a FHA loan while still in a Chapter 13? I mean, if you could find a lender to do it..

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
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Message 5 of 8
NJFresh
Valued Member

Re: 3 weeks post ch 13 Discharge


@tnvols wrote:

We are down to our last Chp 13 payment so discharge within 60 days.  Which Cap One card is it and did you get a mailer or see any pre approval for it or just rolled the dice?

 


@tnvols Don't do anything until your discharge is reporting to all 3 bureaus - Then check the Cap One pre-qual. Did you burn them? 

Message 6 of 8
Treasurecredit
Established Contributor

Re: 3 weeks post ch 13 Discharge

Most Chapter 13's last 5 years, so by the time you're discharged your bankruptcy is 5 years old. I don't see why you wouldn't be able to get a mortgage right away.

Message 7 of 8
tnvols
New Contributor

Re: 3 weeks post ch 13 Discharge

Yep, for a couple grand.

Oct 2017 Scores MyFICO FICO 8

Equifax 633
TU 582 (Suck it TU)
Experian 615


July 2018 Scores MYFICO 8
Equifax 700
TU 674
Experian 689


November 2019 Scores(24 mos post CH13 discharge) MYFICO 8
Equifax 783
TU 799
Experian 794
Message 8 of 8
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