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Discharged!!!

Regular Contributor

Discharged!!!

Good evening all. Hope everyone is doing well. Log in to my Pacer account and viewed my discharge order. Super excited. Call my lawyer earlier he said he hadn't received anything yet. So maybe it's not completely official but still excited none the less. One part puzzled me on the pending status page it says case closed but when I click on terminated status it says awaiting closing. Any one knows what that means. Thanks always

Stash Platinum Visa $20,000, Amex ED $6,000, BBVA NBA AMEX 4,000, BankAmericard Cash rewards $7500, Barclay Ring $2,000 Barclay Cash Forward $1,000, Cap one BuyPower Card $500, Paypal Smart Connect $10,000 Fico 8 Trans 738 Experian 685 Equifax 696
Message 1 of 6
5 REPLIES 5
Frequent Contributor

Re: Discharged!!!

Discharge and closing are two different things. You're officially "done" once your case is closed. I believe it can be reopened for a period up to 12 months...unless there is determined to have been fraud on your part in which I'm not sure the reopening parameters.

 

Congrats and best of luck going forward!

PenFed Visa Signature $35000 (Opened 6/20) - NFCU Platinum $15000 (Opened 1/21) - NFCU More Rewards AMEX $13000 (Opened 1/19) -Capital One World Elite MC $11200 (Opened 11/17) - TTCU Platinum Visa $10000 (Opened 10/18) - Uber Visa $5000 (Opened 1/19) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $36500 (Opened 10/18)
Total CL - $127700

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 6/5/20:




Inquiries Last 12 Months:
Message 2 of 6
Regular Contributor

Re: Discharged!!!

Discharge is probably one of the best feelings! Congrats,now on to the rebuild!

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 654 TU 650 Ex 651
Fico 4 TU 679 Fico 5 692 Fico 2 634
Message 3 of 6
Regular Contributor

Re: Discharged!!!

@DebtStinks @Mjhall85 Thanks. Definitely excited ready to start this new chapter and rebuild. I had mission lane and First Premier survive the bankruptcy. I called them and they assured me my accounts were fine. Now just have to get back my navy fed card and a installment loan and I'll be set

Stash Platinum Visa $20,000, Amex ED $6,000, BBVA NBA AMEX 4,000, BankAmericard Cash rewards $7500, Barclay Ring $2,000 Barclay Cash Forward $1,000, Cap one BuyPower Card $500, Paypal Smart Connect $10,000 Fico 8 Trans 738 Experian 685 Equifax 696
Message 4 of 6
Regular Contributor

Re: Discharged!!!

Well that's always nice those two stuck. I was happy getting back in with NFCU. I am just over 6 months discharge and my fico 8's are right around 650-660, I am hoping once my student loans rehab it will give me a little boost as that's my only derogatory on credit now besides bk7. For the installment you could do the self or the SSL with navy once you get back in.

 

Watch your mail box as you are probably gonna get bombarded with all kinds of offers lol

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 654 TU 650 Ex 651
Fico 4 TU 679 Fico 5 692 Fico 2 634
Message 5 of 6
Contributor

Re: Discharged!!!

Congratulations!!!

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
01.14.2021 FICO8 Scores: EQ 635 TU 643 EX 644


Rebuild progress: Kohl's $300, CreditOne $700, CapitalOne $3,000
Gardening until April 2021.
Message 6 of 6
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