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Ch 7 discharge now reporting! Let the rebuild begin!

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Ch 7 discharge now reporting! Let the rebuild begin!

Hey, all! 

 

Before I say anything else, I just wanted to thank everyone for all of their awesome posts. This forum has been an incredible source of help to me over the years! My intention with this post is to document my rebuild and get advice along the way, so that this post may help others in similar situations in the future. 

 ##Editing in progress

 

 

 

STARTING OVER. Hit a bump in the road with an unemployed hubby, 700s turned to 400s pretty quickly when we couldn't pay.
Before hardship: 700s
Before filing CH 7: 490s
After CH 7 discharge reported to bureaus:
Equifax 660
TransUnion 614
Experian 626
Current scores
680 Equifax, 637 Trans Union, 644 Experian
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Regular Contributor

Re: Ch 7 discharge now reporting! Let the rebuild begin!

I noticed some of the lenders want to see two cards for at least 6 months. Added another card after evaluating various fees and whatnot. Most of the subprime cards are insane. I hope I will never ever have to use First Premier lol they are robbery!

 

Cerulean Mastercard Unsecured $750 SL

Open Sky Secured Visa $200 SL

 

I think I'm gonna sit on these ones for 6-12 months and evaluate my plan for when to try Cap One, Discover, Barclays.

STARTING OVER. Hit a bump in the road with an unemployed hubby, 700s turned to 400s pretty quickly when we couldn't pay.
Before hardship: 700s
Before filing CH 7: 490s
After CH 7 discharge reported to bureaus:
Equifax 660
TransUnion 614
Experian 626
Current scores
680 Equifax, 637 Trans Union, 644 Experian
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