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Sorry I wasn't clear with that last reply. I was thinking of the reply from @MyDataMyChoice and meant that I'm not in a rush to get new credit as soon as possible but was more thinking about the long-term impact.
Just to let you know what happen to me , with my 0 balance cards. American express and Kohls both didnt close my accts and are still good today and I was discharged 6/15/2018. Chase closed my cards (they were at 0), but I talk to my banker and seeing I didnt owe them any money , I could start replying for credit from them in 5 years .
Good luck!!
@Anonymous wrote:Sorry I wasn't clear with that last reply. I was thinking of the reply from @MyDataMyChoice and meant that I'm not in a rush to get new credit as soon as possible but was more thinking about the long-term impact.
Wait 60 days after your DC. Then pull your reports and make sure everything is listed 0 balance and II in BK for the banks that got burned. The try Cap1 for any prequals. You got the start building credit for any "long term" purchases like a car or hopefully a mortgage. You dont want to wait. It has to start soon as possible. You can try Cap1 pre-qual. No SCT's. No QS1. And slowly build your credit up. Took me over 3 yrs to get where I'm at now. Life is short. But you have to have credit to get future things. Dont delay. Rebuild begins in May. Start slow. Ask us a lot of questions before making any major moves. Were here to help. And welcome to MyFICO!
@Singsonbing - completely agree! I have the BK to 700 post bookmarked and look forward to starting it. I'm hopeful that the student loans and car payment (which my lawyer advised I reaffirm because it has very favorable payment terms) will be a good start on the long road ahead of me.
@FireMedic1 - I'm coming to realize that slow and steady is the way to get where I want to be with this process. You're (along with everyone else who is very supportive on here) right that it will take effort but that's not something I shy away from. A few questions for you:
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I got an alert that Experian has already listed filing for bankruptcy on my credit report and my score FICO 8 on the Experian website dropped from 714 to 630. I honestly thought it would have been worse (though I'm assuming it may go lower once all of my credit cards start reporting as closed IIB and the bankruptcy changes from filed to discharged). I also got the date for my 341 meeting (March 12th) so the light at the end of the tunnel is looking a bit brighter today.
Thank you, everyone, for all of the replies and support. It truly means a lot.
Actually funny thing is your score might improve as your cards with balances change to zero. Back in December my credit score was roughly 375 all around and only just filed for Ch7 recently and my score is up to 550. I have only a few cards left showing balances still. The others all show zero balance. These are all cards that had high balances. All my reports show the Ch7 and some of the cards are reporting it as well.