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**UPDATE** 1 DAY TO DISCHARGE!!!

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Anonymous
Not applicable

**UPDATE** 1 DAY TO DISCHARGE!!!

Smiley HappySmiley HappyIt almost feels like Christmas! It's been a long 60 days. I'm curious to know how soon will the credit bureaus be informed of the discharge and reflect my Chapter 7 as such on my credit reports. What was your experience after Pacer updated?

Message 1 of 13
12 REPLIES 12
FireMedic1
Community Leader
Mega Contributor

Re: 1 DAY TO DISCHARGE!!!

The CRA's are notified by third party companies that monitor public records. It takes about the same time for the BK filing to show up as does the discharge. Give it a couple days. And congrats!


Message 2 of 13
wantitgone
Contributor

Re: 1 DAY TO DISCHARGE!!!

Today was my day for objection to discharge, so does that mean I will be discharged tomorrow? And congrats. I'm also hoping the CRA's update all my info quickly too. I'd like to see what effect it will have; also so I can get my federal student loans back into my IBR quickly.

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 3 of 13
Anonymous
Not applicable

Re: 1 DAY TO DISCHARGE!!!

Congratulations! I recently filed for bankruptcy on June 25th, haven't even done the 341 meeting yet but I'm so ready for this to be over! I have question for you if I can ask, when did you start rebuilding if you haven't been discharged yet? Best of luck to you with your rebuilding process! Smiley Happy

Message 4 of 13
Anonymous
Not applicable

Re: 1 DAY TO DISCHARGE!!!

My objection to discharge was yesterday as well. As of this morning, Pacer has updated twice. Once to enter an order of discharge and just a moment ago it updated to show Case Closed - Final Decree and Close Bankruptcy Case. 

 

FINALLY!!!! Smiley Happy

Message 5 of 13
Anonymous
Not applicable

Re: 1 DAY TO DISCHARGE!!!


@Anonymous wrote:

Congratulations! I recently filed for bankruptcy on June 25th, haven't even done the 341 meeting yet but I'm so ready for this to be over! I have question for you if I can ask, when did you start rebuilding if you haven't been discharged yet? Best of luck to you with your rebuilding process! Smiley Happy


I started rebuilding while I was awaiting discharge. The first 30/60 days of waiting I spent time making sure my report was accurate. I made sure all of the accounts included in the bankruptcy reflected IIB and 0/blank balance across all of the credit bureaus. I got a significant score boost during this time as the accounts updated. After all were updated, I checked Cap1 for prequal and got the Platinum. At the same time, I got a mail offer for the Indigo( wish I would've not got this one but Smiley Indifferent). Just recently I got the Ulta card. Off to the Garden I go( skips away) Smiley HappySmiley Happy

Message 6 of 13
wantitgone
Contributor

Re: 1 DAY TO DISCHARGE!!!

@Miamor1  congrats! I just checked mine and it hasn't updated at all. Hopefully later today... that would be nice, lol.

 

ETA: mine just updated a little after noon. YAY!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 7 of 13
Anonymous
Not applicable

Re: 1 DAY TO DISCHARGE!!!

Lol "long 60 days"?  Try being in a 13 for a "long 60 months".

Message 8 of 13
Anonymous
Not applicable

Re: 1 DAY TO DISCHARGE!!!


@wantitgone wrote:

@Miamor1  congrats! I just checked mine and it hasn't updated at all. Hopefully later today... that would be nice, lol.

 

ETA: mine just updated a little after noon. YAY!


Congrats!!

Message 9 of 13
Guyatthebeach
Valued Contributor

Re: **CASE CLOSED** 1 DAY TO DISCHARGE!!!

Miamor1,

 

It was so exciting for me. My discharge was the end of a bunch of bad things in my life. I actually went to the bankruptcy court office and got a copy of my papers with a real signature. 

 

It took 30 days for everything to update. I did have to dispute a things, but everything was reporting as it should within 60 days.

 

I did get approved for 2 secured cards and a secured loan the day my bankruptcy discharged.

 

Good luck and keep us informed of your rebuild!

 

Guyatthebeach

Message 10 of 13
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