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Finally Discharged Wish me luck I am so excited can't wait to rebuild.

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butter1
Valued Member

Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Ok guys, I finally got my dicharge on 2/21/14. I waited till I got my official paperwork. I disputed things on my credit report everything is reporting a included in bankruptcy current and 0 balance. I actually have $0 debt right know. I applied for Capital One card got approved for $300 limit. I also did finger hut fresh start (already paid it down to $40 balance) I needed stuff for my new apartment. My scores are still low, Equifax 587 , Experian 522 and Trans union: 550 (all Fico).  Figured this was good for now to start rebuilding What do you think? 

 

Pease anyone, tell me if I am on the right track any suggestions on what I can or should be doing. I am Excited!!! 


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 1 of 9
8 REPLIES 8
kd081708
Regular Contributor

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Congratulations on your discharge! I know what a relief it is to finally receive the discharge. Yes I would definetely say you are on the right track. As you can see from my signature, your scores are higher than mine and I was discharged in October 2013. My scores were so low when I filed and all the inquiries I racked up when I was discharged are killing me. But now, im gardening for six months. This forum is a great place for advice and support!


Starting Score: EQ 450 EX 498 TU 470
Current Score:
EQ 574 EX 581 TU 572 Barclay 596 Merrick 612
Goal Score:
600 all by 06/30/2014


Take the myFICO Fitness Challenge
_______________________________________________________
Message 2 of 9
butter1
Valued Member

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Thank you! I had to hold myself back from applying a lot, although I was really tempted I managed to hold back. I can't wait till my score start beefing up, Smiley Happy


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 3 of 9
SoulMaster
Established Contributor

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

It'll beef up really quickly if you follow this guide:

 

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

 

Good luck on your journey,

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 4 of 9
Anonymous
Not applicable

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Congrats! Can't wait my turn.Smiley Happy

Message 5 of 9
ChistineNJ
Frequent Contributor

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Congrats! Read read read

C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders

CAP1 1650| CAP 1 1100| BARCLAYS 2500| NREWARDS 8500|
SCT: VS 1100| EXPRESS 1100| JCREW 250| *HIDDEN TL BML 650

SCORES 709, 657, 623
Pre BK scores: 569, 587, 553
Message 6 of 9
butter1
Valued Member

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Thank You all, I am excited, I want good credit, and more credit, even before my bankruptcy I never had a card with a credit limit over 750 so I am looking forward to building awesome credit history. 


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 7 of 9
SoulMaster
Established Contributor

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

You'll have 750+ CLS in no time (6 no or less) if you follow the guide.

-SM
I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 8 of 9
butter1
Valued Member

Re: Finally Discharged Wish me luck I am so excited can't wait to rebuild.

Thanks Soulmaster, I really need this to work, it plays a big part in rebuilding my life.   


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 9 of 9
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