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Chapter 7 Journey - Anniversary

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Anonymous
Not applicable

Re: Chapter 7 Journey - Anniversary

Wooohooo!! Congrats! Enjoy your new home!
Message 11 of 18
CWESTL
Regular Contributor

Re: Chapter 7 Journey - Anniversary

Congratulations!!!!!!! I closed on my new home on January 28, 2016. Hard work and patience pays off. 

Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
Message 12 of 18
notpaul
Regular Contributor

Re: Chapter 7 Journey - Anniversary

Congrats!
6/15 DC BK7, starting EQ FICO score 563

2/16 FICO EQ 661. TU 653, EX 660
Current CC Accounts: Capital One QS1 500; Overstock 1300; Care Credit 5000; Barclay Rewards MC 1300; JCPenney 3500; Amazon 3500; WalMart 3500; Target 500; PenFed Promise Visa 2000; PenFed CLOC 500; NFCU Flagship 12500; NFCU Platinum 8500; Credit One 1000.
Message 13 of 18
Luvan_Lyfe
Established Member

Re: Chapter 7 Journey - Anniversary

Congrats to you on your home too CWESTL! It really does pay off.

Message 14 of 18
Luvan_Lyfe
Established Member

Re: Chapter 7 Journey - Anniversary

Update...keys and garage door openers in hand!

We closed today...2/24/2016. Lender couldn't make it happen on the 19th and seller lived 4 hours away so we waited impatiently until today. It was painless and we had a seamless and uneventful closing.

This forum is the bomb.com!

I have been here since discharge and before but I have followed this forum and it's advice and it hasn't disappointed.

Again, it's possible to own after a Chapter 7.
Message 15 of 18
Scupra
Super Contributor

Re: Chapter 7 Journey - Anniversary


@Luvan_Lyfe wrote:
Update...keys and garage door openers in hand!

We closed today...2/24/2016. Lender couldn't make it happen on the 19th and seller lived 4 hours away so we waited impatiently until today. It was painless and we had a seamless and uneventful closing.

This forum is the bomb.com!

I have been here since discharge and before but I have followed this forum and it's advice and it hasn't disappointed.

Again, it's possible to own after a Chapter 7.

Huge congrats!!!!!!!!!!! Go get some wine/champagne and have a toast in the new home Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 16 of 18
Anonymous
Not applicable

Re: Chapter 7 Journey - Anniversary

Love reading these! Congrats! Hopefully next year around this time I'll have my own success story. I'm on my way thanks to this place.

Message 17 of 18
Anonymous
Not applicable

Re: Chapter 7 Journey - Anniversary

AWESOME! CONGRATS!!!!! Now enjoy your new home!!!Smiley Wink

Message 18 of 18
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