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Woot! Discharged! and APPROVED!

Dross0904
Established Member

Woot! Discharged! and APPROVED!

Hey Everyone,

 

So, I did a lot of work cleaning up my credit reports as soon as I walked out of the 341 Meeting and I've been anxiously awaiting my discharge since the "deadline for objections" passed a month ago yesterday. My lawyer emailed me last night saying that my discharge had entered PACER as of 6pm.

 

This morning, feeling reckless and tired (I burned Cap1 for about $1000), I headed over to Capital One's pre-qualifier page. I was pre-qualified for both the QuickSilver and Platinum MC. Once again, pre-coffee, I pulled the trigger and was approved for both of them! I am talking 12 hours after my discharge hit public record. I guess all that CRA repair really helped out. $300 each.

 

I've got student loans so I plan on hanging out with these Cap1 cards for the next 6 months and PIF each month and following the plan.

 

Just excited to start over. Smiley Happy

Discharged: 11/14/14 / CapitalOne QS: $300 / CapitalOne MC: $300

Starting Score: 544 EQ/454 TU/503 EX
Current Score: 517 EQ/492 TU/583 EX
Goal Score: 700


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3 REPLIES 3
beachglass
Established Contributor

Re: Woot! Discharged! and APPROVED!

Congrat's On Your Discharge And Your Approvals !!!Smiley Happy

 

 

Heres a great thread on rebuilding.

 

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

 

 

Ch.13 Discharge 8/2014
START: 9/2014: FICO: Eq-533/TU-519/Exp-560
CURRENT:1/2017: FICO: Eq-699/TU-700 Exp-703
/Cap 1 Plat (11,500)|Barclays (6200)|Cap1.Quicksilver (7650.00)|Overstock (6,000)|Discover (4500)|DCU/Auto/25k/1.99%
|Cap 1 Auto/35k/2.49%
Message 2 of 4
Scupra
Super Contributor

Re: Woot! Discharged! and APPROVED!

Congrats on your discharge and recent approvals! Great job on cleaning up your reports ahead of time. Definitely check out the thread beachglass posted as it will help you a ton!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 3 of 4
Super_AL
Valued Contributor

Re: Woot! Discharged! and APPROVED!

Congratulations!...Thanks For Sharing.Smiley Tongue

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 4 of 4
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