My BK 7 journey.... Again...

[2b2rich]

I applied for their nRewards about 4 or 5 months post discharge and was approved.  I had to open a savings account to put the money into and since they would only allow $200 online (transfer or debit.  I forget how I funded it) then my SL was only $200.  About 3 months later it was increased to $600, though it wasn't actually called a CLI. 3 months later it was converted to the CashRewards with a SL of $2k and my $200 in savings was released.  That was about October 2020 and I just requested a CLI of $2k and looked a couple days later and they had given me a $1,500 increase instead.  I really love NFCU.  I also got a new car loan with them back in March at 3.34%.  Of course I also added a checking account with my pay DD going to it.  When I got the nRewards, back then my scores were only about 625 across the boards. Just for the record, I had never been a NFCU member so never burned them.

[babygirl1256]

@2b2rich Congrats on you new and growing NFCU relationship . . . Keep watering -and- growing it!!!

[wxman2021]

Thank you!  I appreciate all the help.

[wxman2021]

I checked the Pacer site last night and saw that I have been DC!!  Woohoo!!  No alerts from myFICO this am yet, I know there is a little lag, but checked CK and TU still shows filed, but EQ shows DC now!  (26 point increase, even though it's a fako lol).  So will all TL now update to show CH7 Dishcharged vs petition or does that matter?

[wxman2021]

Thanks again everyone!  EX and EQ have updated to show DC...Just waiting on TU!!  Are they typcially the slowest?  I want to apply for the secured card with NFCU, but it still shows Filed, and not DC yet....Funny how my Fico 9 scores are quite a bit higher than the 8's...

[wxman2021]

I guess my question is how do I tell TU to hurry up and update the BK to discharged, or can I?

[wxman2021]

Patience is amazing. Lol. TU updated this am and we cleared for takeoff!  Thank you everyone. I will still be around and if I can help with anything let me know.  Y'all are awesome and hoping to never have to do this again. 

[wxman2021]

I did their pre-approval first (which I have read is not accurate) but came back for the secured card.  Did how much I wanted to fund it ($300) and hit submit...said it will be processed in 24-28 hours and they will let me know...Is that normal?

[Caliboy97]

When I got the secure card last year someone had to manually approve me. I heard if you have a fresh bankruptcy they usually won't auto approve you for anything.

[wxman2021]

Sounds good. How long did it take for you?  They email or text you?