Filed BK7 Update

[Fortnite323]

I filed BK7 on 3/15/22

today I got alerts from CK that BK was added and all credit balance's went to $0 and updated to filed BK on TransUnion my score went up 61 points it's at a 602 right now 

Equifax or Experian didn't update credit yet but I got alerts form my other services saying BK7 was added to all 3 bureaus 

I know it's long waiting game for everything to update just wanted to share 

got a question before filed I got a self lender $48 monthly savings loan it has 51 days before I filed, it's been added to the list of BK 

do I continue paying the $48 monthly?? I asked my lawyer he said if I want to yes if I don't it's still okay cause it's been added but I don't want any problems???

Need Advice on this

Here's the Creditiors I Burned

Capital One QS

Capital One QS1

Navy Federal Credit Union Cash Rewards

Credit One Bank 

Bank Of America 

Hughes Federal Credit Card

Merrick Bank 

Capital One Plat

Express 

Macy's 

Bloomingdales 

Victoria Secret 

FingerHut 

Summit Racing 

Nordstrom 

Conns Home Plus 

Target 

FireStone Auto Care Tires 

Discount Tire 

Hughes Federal CU (Auto Loan) 

Hughes Federal CU (Auto Loan)

there was other creditors added to BK list not from Credit Cards

[TattnallTrio]

If Self Lender was included in your bankruptcy then I'd stop paying them. Otherwise other creditors may say, "he's paying Self but not paying us!" Also they'll report, "account included in bankruptcy" so using them to rebuild at this point is worthless. 

I would probably wait until closer to discharge or after discharge and start over. 

Capital One will probably approve you right after your discharge, even though you've burned them. 

Target will require 12 months post discharge and Credit One might require some time also. 

Best of luck to you! 

[FireMedic1]

Its best to wait 30 days after DC to let everything settle and see where your scores land. It will take years to get back to normalcy. No rush right now. Let things play out.

[MileHigh96]

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@TattnallTrio wrote:

If Self Lender was included in your bankruptcy then I'd stop paying them. Otherwise other creditors may say, "he's paying Self but not paying us!" Also they'll report, "account included in bankruptcy" so using them to rebuild at this point is worthless. 

I would probably wait until closer to discharge or after discharge and start over. 

Capital One will probably approve you right after your discharge, even though you've burned them. 

Target will require 12 months post discharge and Credit One might require some time also. 

Best of luck to you! 

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CapOne won't approve you for a new card until 12 months after DC if they were IIB.

[Jmjm2530]

Not true about cap one. I had them in my BK and they approved me for a unsecured plat like two days after my BK was discharged. It's now upgraded to a regular QS with no AF. 

[Cowboys4Life]

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@Jmjm2530 wrote:

Not true about cap one. I had them in my BK and they approved me for a unsecured plat like two days after my BK was discharged. It's now upgraded to a regular QS with no AF. 

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I have to echo this.  I was discharged in May 2018 and got another one that September after only 4 months.  I IIB 2 Cap1 cards in mine.