Question - Dismissed Ch 13 Reinstated

[missy42]

So I have a question, my Ch 13 was dismissed but was reinstated 7/12.  Of course all my CR starting showing the accounts charged-off and the BK was even updated to show dismissed.  Went to court 6/20 and was granted motion to reinstate however for some reason the Trustee didn't put in the order (not sure if it was trustee or my attorney) fast forward I made first payment 6/27 since being discharged and of course nothing could be paid until Chap 13 was reinstated.  Will the CR update now since the Order was put into pacer and sent to all creditors?  Just wondering how long it will take to update since it only took 1 day to show dismissed and a few weeks for things to start showing charge-offs.  I know it don't really matter as I'm 12 months into a 5 yr plan next month but just curious.  Also when should I try to start a rebuild do I just wait 5 yrs or should I try sooner like maybe at the halfway point?  I know it requires trustee approval just asking.  Thanks for your positive responses.

[coreyb80]

As far as rebuilding, you would need to consult with your attorney on that.  Mine advised me that a secured card or 2 was fine during my 13.

[missy42]

Thanks @coreyb80 I'm waiting for them to get back with me and also will probably wait until next year.  Thanks for responding.

[Anonymous]

---

@coreyb80 wrote:

As far as rebuilding, you would need to consult with your attorney on that.  Mine advised me that a secured card or 2 was fine during my 13.

---

I think the reason is that it's your money and not the creditors money.  If you don't pay the bill the money is there.

It is also possible to get a credit card if the Trustee approves it.

[missy42]

Thanks @coreyb80, I'll check with my new attorney/trustee before applying for anything. Glad you're doing so well. I have USAA so hoping to get secured card with them.