Re: Chapter 7 Discharged!!!!!

DiamondDan73 · ‎08-31-2015

Well, after what seemed like an eternity, my chapter 7 was finally discharged! It is such a great feeling. I feel like my life can unfreeze and I can begin the process of starting over.

I am going to follow the BK-700 plan to the "T".

Any idea how long before my CR's reflect the discharge?

Started 11/2020 EQ 549 TU 580 EX 559
Currently 12/2020 EQ 541 TU 606 EX 576
2021 FICO Goal 680 on all 3

TRC_WA · ‎08-31-2015

It can take up to 30 days to reflect the discharge.

Mine took like 4...

Good luck with the rebuild.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎08-31-2015

@DiamondDan73 wrote:
Well, after what seemed like an eternity, my chapter 7 was finally discharged! It is such a great feeling. I feel like my life can unfreeze and I can begin the process of starting over.

I am going to follow the BK-700 plan to the "T".

Any idea how long before my CR's reflect the discharge?

I didn't pull my reports until 2-3 weeks post DC. 75% was updated at that point. Another 15% updated within the next 2-3 weeks. 10% was cleanup/disputes after that.

DiamondDan73 · ‎08-31-2015

I cleaned up all of my reports to show IIB on everything. Just want to start the rebuilding process.

Started 11/2020 EQ 549 TU 580 EX 559
Currently 12/2020 EQ 541 TU 606 EX 576
2021 FICO Goal 680 on all 3

EW800 · ‎08-31-2015

Congrats on your discharge!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Anonymous · ‎08-31-2015

Congrats! Welcome to the world of post-discharge rebuilding. There will be highs and lows....focus on the destination, not the highs...and especially not the lows, and you will make it through.

Anonymous · ‎08-31-2015

Congrats on your discharge! We are right behind you, only a couple more weeks to go

Unfaithful · ‎09-01-2015

Hey there! I'm not too far behind you! I filed a couple of weeks after you on 5/26..I should be receiving my discharge soon. Could you update me on how long it took for your discharge to reflect on your credit report? Thanks! Can't wait to start my rebuild!

DiamondDan73 · ‎09-01-2015

It's not on my reports yet. I will update this thread when it does. Good luck!

Started 11/2020 EQ 549 TU 580 EX 559
Currently 12/2020 EQ 541 TU 606 EX 576
2021 FICO Goal 680 on all 3

DiamondDan73 · ‎09-02-2015

Just got a MYFICO alert that my BK was updated to discharged on my EQ. So it looks like it only took a few days.

Started 11/2020 EQ 549 TU 580 EX 559
Currently 12/2020 EQ 541 TU 606 EX 576
2021 FICO Goal 680 on all 3

Chapter 7 Discharged!!!!!

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Chapter 7 Discharged!!!!!