Chap7 Bk filed 08nov17
341 05Dec17 no asset
Renter, Did not reaffirm car with 32k balance
Discharge 06Feb18
Before filing I had the following
Boa -24000
Boa- 3200
Citi 5200
Amex 9200
Msdfcu 21500
Chase 5800
Lending club 13000
Nwfcu (car) 32000
Navient (not IIB) 800- continued payments through BK
First mark student loan (not IIB ) 8200-continued payments during BK
Pre-Bk my scores were low 600s (chase EQ fico was 620, I believe). Never paid anything late until the month I filed but scores dropped over 100 pts from their high in 2012 as utilization crept to 100%.
Discharged scores are now TU/542 EQ/599 EX/586
Approved for cap 1 platinum 1K and overstock $200 a couple weeks before discharge. Prequalified for discover secured for $200 but didn’t apply because I’m saving my hard pulls for auto loan shopping after my cAp1 and my Navient loan account shows up on my report. Hopefully the score simulation is accurate and those accounts reporting gets me in the 600s across the board in the next month or so. Plans to go car shopping late feb/early March. Want to keep my loan under the 10K for a car up to 20K, or I’ll just skip the auto loan and get a used 10k car, depends on the rates. I plan on applying to DCU, Cap1 auto, Dealer captive lender like Nissan for the Altima I’m considering.
My AAoA is 8.2 years.