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Pro Se Chapter 7 Update

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ronstar7
Established Contributor

Pro Se Chapter 7 Update

Hello all!


As of 7/22 my BK has been discharged. Filed on 4/18 for reference. 

onward and upward from here, already received cc offers last week but I happily trashed em. 

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 1 of 19
18 REPLIES 18
MissLiz
Established Contributor

Re: Pro Se Chapter 7 Update

Congratulations on your discharge! 

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 2 of 19
Horseshoez
Senior Contributor

Re: Pro Se Chapter 7 Update


@ronstar7 wrote:

Hello all!


As of 7/22 my BK has been discharged. Filed on 4/18 for reference. 

onward and upward from here, already received cc offers last week but I happily trashed em. 


Congratulations; what are your plans for rebuilding?

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 3 of 19
RebelRocket
Regular Contributor

Re: Pro Se Chapter 7 Update

A huge feat to accomplish for sure; congratulations!

 

Not sure what your plans are from here on forward, but if you approach them with the same discipline that allowed you to happily trash the cc offers you received, then you'll be just fine.

 

Onward and upwards!





Message 4 of 19
Rebuild2019
Valued Contributor

Re: Pro Se Chapter 7 Update

Congrats @ronstar7 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 5 of 19
ronstar7
Established Contributor

Re: Pro Se Chapter 7 Update


@MissLiz wrote:

Congratulations on your discharge! 


Thank you so much! 

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 6 of 19
ronstar7
Established Contributor

Re: Pro Se Chapter 7 Update


@Horseshoez wrote:

@ronstar7 wrote:

Hello all!


As of 7/22 my BK has been discharged. Filed on 4/18 for reference. 

onward and upward from here, already received cc offers last week but I happily trashed em. 


Congratulations; what are your plans for rebuilding?


Thank you, I don't even know tbh. I have never field before. At the moment just lay low and do nothing? Everyone is telling me to get a cc but I don't want one. I do however need a car as I surrendered mine in the BK. I'm assuming I need to wait at least 6 mos before trying to do so but it's just a lot on my DH transporting me to work and such. 

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 7 of 19
ronstar7
Established Contributor

Re: Pro Se Chapter 7 Update


@RebelRocket wrote:

A huge feat to accomplish for sure; congratulations!

 

Not sure what your plans are from here on forward, but if you approach them with the same discipline that allowed you to happily trash the cc offers you received, then you'll be just fine.

 

Onward and upwards!


Thank you and yes absolutely, I honestly have been there and done that so I'm no longer interested in cc's anymore. I'd rather just pay cash. My grand father used to tell me "bills are for suckers" lol so I'm trying to keep that in mind. It does feel weird, this is my first time without a cc in over 20 years! 

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 8 of 19
ronstar7
Established Contributor

Re: Pro Se Chapter 7 Update


@Rebuild2019 wrote:

Congrats @ronstar7 


Thank you! 

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 9 of 19
keekers
Valued Contributor

Re: Pro Se Chapter 7 Update

Best of luck.
Message 10 of 19
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