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Discharged!!!

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Anonymous
Not applicable
‎01-13-2021 02:19 PM
‎01-13-2021 02:19 PM

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

Message 1 of 6
5 REPLIES 5
DebtStinks
Established Contributor
‎01-13-2021 05:37 PM
‎01-13-2021 05:37 PM

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!

NFCU More Rewards AMEX $25000 (Opened 1/19) - NFCU Platinum $21000 (Opened 1/21) - TTCU Platinum Visa $10000 (Opened 10/18) - Discover $5500 (Opened 11/21) - Barclays View MC $5000 (Opened 1/19) - Capital One Platinum $3500 (Opened 2/19) - Capital One World Elite MC $1000 (Opened 3/21) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $42500 (Opened 10/18)
Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

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

Scores as of 2/18/21:




Inquiries Last 12 Months:
Message 2 of 6
Mjhall85
Frequent Contributor
‎01-13-2021 06:11 PM
‎01-13-2021 06:11 PM

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 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 3 of 6
Anonymous
Not applicable
‎01-14-2021 12:50 PM
‎01-14-2021 12:50 PM

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

Message 4 of 6
Mjhall85
Frequent Contributor
‎01-14-2021 12:56 PM
‎01-14-2021 12:56 PM

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 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 5 of 6
angelofmusic86
Frequent Contributor
‎01-20-2021 08:47 AM
‎01-20-2021 08:47 AM

Re: Discharged!!!

Congratulations!!!

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: Kohl's $3,000; CapitalOne QS $0AF $3,600; CreditOne Rewards $700; CapitalOne Walmart MC $3,000; Overdraft Line $250; PenFed PCR $10,000; Kemba Visa $3,500; CreditOne $0AF AMEX $1,500; Target RedCard $1,200; paid off reaffirmed car loan!; Wells Fargo Active Cash $1,500; Comenity Ultamate Rewards MC $4,250; CapitalOne Savor One $3,000; Amazon Store Card $3,600; CareCredit $7,400; Synchrony TJ Maxx Mastercard $3,500; Well's Fargo Reflect Visa $3,500; Levin Furniture $7,400
Gardening until December 2023.
Message 6 of 6
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