I am officially discharged!!! yay! like a lot of us I didnt think i'd see the day where I was free!
Especially since I'm the one that had posted about my auto reaffirmation delay. As an updated to that I spoke with my lawyer and the court clerk this past Wednesday and we decided to recind as a hearing was going to be in mid January (objection deadline was 11/1 ... reaffirmation was filed 9/14) AND the clerk said the Judge most likely was not going to approve it so we filed to recind on Thursday and I was dismissed on Friday!!!
A few months ago I opened a Self Credit builder loan, i've made 2 payments - they are reporting.
I also got approved for the following
Capital 1 QS - 3k limit
Mission lane - 2k limit
Ally financial - 1k limit
on a sad note I got declined for a NFCU secured card, they told me they only offer them to people 12 months post discharge and that unsecured is something I could apply for 6 months after discharge, odd? anyway with the self loan and 3 cards I think I should be set to hang out in the garden
Congrats being discharged long journey ended only to begin a healthier one. BTW, don't feel bumbed about NFCU try it again is 6mos it's definitely worth the HP as it grows just like breeding bunny rabbits.
only a little bummed, I spoke with a CS rep and they advised me to try for unsecured card in 6months. My main goal with them is to be able to refinance my car in about a year - I have to read up more on their post chapter 7 rules for that but its my end goal
@WildestDreams wrote:I am officially discharged!!! yay! like a lot of us I didnt think i'd see the day where I was free!
Especially since I'm the one that had posted about my auto reaffirmation delay. As an updated to that I spoke with my lawyer and the court clerk this past Wednesday and we decided to recind as a hearing was going to be in mid January (objection deadline was 11/1 ... reaffirmation was filed 9/14) AND the clerk said the Judge most likely was not going to approve it so we filed to recind on Thursday and I was dismissed on Friday!!!
A few months ago I opened a Self Credit builder loan, i've made 2 payments - they are reporting.
I also got approved for the following
Capital 1 QS - 3k limit
Mission lane - 2k limit
Ally financial - 1k limit
on a sad note I got declined for a NFCU secured card, they told me they only offer them to people 12 months post discharge and that unsecured is something I could apply for 6 months after discharge, odd? anyway with the self loan and 3 cards I think I should be set to hang out in the garden
Congrats on the discharge!
If you did want another card from a major CU, you could always try PenFed. I opened an account with them 3 months after my discharge and then a month after that I cold app'ed for one of their cards and was approved for a $6K limit with an interest rate just under 15%. Still my best card when it comes to CL and interest rate all this time later.
Congrats! You got the three cards and a loan. Ride it out for a while and prove yourself and more will come in say 6 months. Shoot for the 700 score then start the rebuild. Apply in the 600's and you'll stay there. Play the numbers game.
