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Discharged!!

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New Contributor

Re: Discharged!!

During Bk 13 you can get permission to purchase a new vehicle. I forgot how long you have to be in but you can't have any late payments. My Lawyer filled out a report on my finances and they tell you how much you can spend. Took about 10 days for the approval process.  You won't get good rates. 

Message 11 of 15
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Regular Contributor

Re: Discharged!!

Thanks for the info I'm filing a Chap 7 so will wait until after discharge.
Filed Ch 13- 8/29/17
Message 12 of 15
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Established Contributor

Re: Discharged!!

 

Congratz on your Discharge!
Congratz on your CAP1 card!
Congratz on successfully enduring your Chapter 13!

 

I too recently completed a Ch 13. The past 6-8 months have been a slow and at times an impatient process of continued "Waiting. However it gets better!

 

With B of A, they should approve, or at least counter with a secured card.  If offered a secured, you should be able have it graduate within probably 6 months time.

 

Before I submitted any applications, I waited two months until everything on my 3 CRA reports were correct, up to date, and reflecting a change of address.  With accurate data reporting, identity verification and application processing was effortless.

 

Best Wishes!!!

 

 

05/03/16 Fico 8 Scores: EQ 546, TU 501, EX 548
09/01/16 Fico 8 Scores: EQ 662, TU 628, EX 657
10/04/16 Fico 8 Scores: EQ 692, TU 665, EX 686
01/15/17 Fico 8 Scores: EQ 706, TU 670, EX 687 * all Yellow / Good
Message 13 of 15
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New Contributor

Re: Discharged!!

Thank you.. I did app for BOA and they did approve me!! Now I'll just let everything grow for a while.

Message 14 of 15
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Frequent Contributor

Re: Discharged!!

I'm waiting to be discharged. Friday was the last day for creditors to dispute and today is the earliest for discharge. I'm a nervous wreck and keep checking Pacer. Today is the 96th day :/

Discharged Jan 2017
Rebuilding credit
Message 15 of 15
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