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Discharged!!

Valued Contributor

Discharged!!

I checked PACER this morning and found some happy news....DISCHARGED!!!

 

Now time to start the rebuild.  I burned everyone and their mother so it is going to take some time but excited for the challenge!

Ch 7 Discharge 3/12/2018
Credit One $700, Wayfair $3,500, Blaze MC $2,500

AU Cards: CSP $37.7k; Chase Marriott $20k; Citi TY $8.5k; Barclays Arrival+ $15k
Message 1 of 7
6 REPLIES
Community Leader
Valued Contributor

Re: Discharged!!

Congrats on your discharge! Just remember, it’s a marathon, not a sprint. 

AMEX PLATINUM, DELTA PLAT & SPG | PenFed PR | NFCU FS | Discover IT | CAP1 QS & VENTURE | LOWES l NORDSTROM I WAYFAIR I
Message 2 of 7
Highlighted
New Visitor

Re: Discharged!!

You're not the only one that has burned everyone and their mother - i'm about to press the file button myself and i know rebuilding is going to be an uphill climb because i have very few left that i haven't burned. Congratulations! 

Message 3 of 7
New Member

Re: Discharged!!

Congrats

Message 4 of 7
Established Member

Re: Discharged!!

Congrats! I recommend doing like I did and scouting out a local CU that will offer a secured -> unsecured CC. I personally burned Cap1 and Credit1 among others which made the starting point a bit... difficult.

 

You got this!

Filed BK 10/2017
Discharged 2/1/18
3/2018 - 638EQ / 582TU / 630EX
Current TLs - NFCU Secured Card / Auto Loan / Student LoanSSSSS (likely getting consolidated)
Message 5 of 7
Valued Contributor

Re: Discharged!!

Well...I bit the bullet.  I app'd for Credit One.  Approved $500 for the rewards card.  It's a start.  Will give it some time before the next one. 

 

Below is a list of creditors from my BK:

BofA $14k

CapOne $26k

Citi $26k

Chase $11k

Discover $15k

Amex $26k

Barclays $22k

DCU $10k

NFCU $40k

Logix $15k

PenFed $25k

 

PG's 

Ford Credit

Lexus Financial

US Bank

 

Most were PG'd business cards, some was personal lines used for business.  Lexus Financial, US Bank and Ford Credit all had PG'd vehicles returned to them.

 

Plan is to take time and build.  DW has added me to her cards (CSP $34k, Marriott $20k, Barclays Arrival+ $15k and Citi TY $8.5k) - none of which have any balances.

 

Slow and steady, we will see how this goes.

 

Thanks all

Ch 7 Discharge 3/12/2018
Credit One $700, Wayfair $3,500, Blaze MC $2,500

AU Cards: CSP $37.7k; Chase Marriott $20k; Citi TY $8.5k; Barclays Arrival+ $15k
Message 6 of 7
Community Leader
Super Contributor

Re: Discharged!!

Congrats on the discharge and recent approval! I’m sure those cards will help you out a bit in some cases!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k 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
Message 7 of 7