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Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quickly?

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Anonymous
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Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quickly?

Hi all. 

 

I am so happy that today I finally received my Chapter 7 discharge! 

 

We decided not to reaffirm my current car in bankruptcy, and I need to get a new one fairly quickly. Are there steps I can take to get reporting of the discharge to the credit monitoring agencies faster than usual? 

 

Any help appreciated. Thanks! 

Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

I don't think there's a way to expedite the process. 
I don't think there's a need to, your discharge should update on your reports rather quickly. 

Message 2 of 22
Anonymous
Not applicable

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

They updated my reports with the filing and the discharge within 2 days each time.

Message 3 of 22
Anonymous
Not applicable

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

I see. I read on some site it could take thirty days or more. Thanks for your insights!

Message 4 of 22
Bankrupt2019
Established Contributor

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

What're you hoping to buy 1 day post BK7 DC? 









Message 5 of 22
Anonymous
Not applicable

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

'71 Rolls Royce Phantom, no engine,  moderate rust on frame. Think Capital One will finanace me? 

Message 6 of 22
CreditMagic7
Mega Contributor

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

Now that's done and you are debt free wish you much luck & opportunity climbing back into a stable credit profile.

 

After my DC the mailbox literally filled up with offers galore for slightly used/new vehicle invitations.

 

Others can offer you some insight on best rates with various bank financing. Just try to not be sucked into to-good-to-be-true offers which can debt load you all over again.

 

Best of Luck

Message 7 of 22
dragontears
Senior Contributor

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick


@Anonymous wrote:

'71 Rolls Royce Phantom, no engine,  moderate rust on frame. Think Capital One will finanace me? 


You want to buy a nonfunctional vehicle? 

Message 8 of 22
incognitony
Frequent Contributor

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick


@Anonymous wrote:

'71 Rolls Royce Phantom, no engine,  moderate rust on frame. Think Capital One will finanace me? 


I think they only go back to 1972.

Message 9 of 22
Mjhall85
Frequent Contributor

Re: Rcvd Chap 7 discharge today--need new vehicle. How do I get discharge reported to agencies quick

Shortly after my discharge,capital one approved me up to 40k but I ended up using the dealer financing as I got under 4% from them.

Chapter 7 filed 2/3
Discharged 6/30

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Message 10 of 22
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