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Finally DISCHARGED!!!

New Contributor

Finally DISCHARGED!!!

Checked Pacer last night, after 103 days the status was updated to Awaiting Closing - Order Discharging Debtor and at the top of the page is says Debtor Discharged: 1/09/2018 ... I guess that means they have to finalize all the paperwork but other than that it's finally over??! Wonder when I will be able to see this on my reports?
BK7 DC 1/2/2018
FICOs June '18: TU 604 / EX 591 / EQ 602
Cards: Discover It Secured, Capital One Platinum, Venus, Wayfair

Goals: unsecure Disco, pc C1 to QS, get scores to 660+, sp CLI's
Message 1 of 9
8 REPLIES
Frequent Contributor

Re: Finally DISCHARGED!!!

The discharge usually takes a few days. I'd give it about a week. Within about a 30-45 days, your creditors should have corrected all trade lines to reflect the proprer status and a $0 balance.

Message 2 of 9
New Contributor

Re: Finally DISCHARGED!!!

You and I have the same discharge date. Congrats. Experian updated the next day 1/10. TU and Experian are still pending.
Message 3 of 9
New Contributor

Re: Finally DISCHARGED!!!

Same here. Already checked Capital One prequal and have an offer. I've never had an offer through their prequal before. Going to wait til TU and EQ update first, will probably get a better approval.
BK7 DC 1/2/2018
FICOs June '18: TU 604 / EX 591 / EQ 602
Cards: Discover It Secured, Capital One Platinum, Venus, Wayfair

Goals: unsecure Disco, pc C1 to QS, get scores to 660+, sp CLI's
Message 4 of 9
New Contributor

Re: Finally DISCHARGED!!!

I have to call trans union and remove a fraud alert. I also have an Experian account. I updated today and the discharge was on TU and EQ. Just hasnt updated on myFICO.

Message 5 of 9
New Contributor

Re: Finally DISCHARGED!!!

I checked today and had an offer also. Gotta wait for my title to trade though but very happy. Also got approved for Discover It. Just one more major CC and I’ll be gardening.
Message 6 of 9
New Contributor

Re: Finally DISCHARGED!!!

I got the instant decline from Capital One, even though preapproved. Guess I'm blacklisted for now. I've never had Discover, but my scores are so low now I'm afraid to try, and I don't have a preapproval with them.
BK7 DC 1/2/2018
FICOs June '18: TU 604 / EX 591 / EQ 602
Cards: Discover It Secured, Capital One Platinum, Venus, Wayfair

Goals: unsecure Disco, pc C1 to QS, get scores to 660+, sp CLI's
Message 7 of 9
New Contributor

Re: Finally DISCHARGED!!!

Ughhh major bummer. We both have to be patient though. I started my rebuild last August with 2 secured cards. As soon as I knew I could pay off the bankruptcy early because it was set to end July 2018. The trustee sat on me paperwork and didn’t even audit my file until December. Once they sent it to the court it was only a matter of days. My pre rebuild scores were closer to 500 than the 600s. The secured cards really helped and I also did a goodwill letter for the late payments I had with GM financial and they removed them. Too scared to apply for anything else. Gardening for me. Make sure all CRAs have been updated with your discharge info.
Message 8 of 9
Regular Contributor

Re: Finally DISCHARGED!!!

Congrats on your discharge I just started this long 5-yr process.  Looking forward to 2022, LOL until then just trying to not stress!  This is hard but its nice to hear success stories.  I'm determine to complete this but it is hard & stressful!  Best of luck on life after Chap 13!

Filed Ch 13- 8/29/17
Message 9 of 9