Checked my score exactly 30 days from discharge, 587 (up from 493). I have applied for Orchard Bank and was approved for $320 (weird amount?). I am starting mini goals now --clean credit report (zero bal, IIB) clear chexsystem (faxed papers 10/20 should be cleared by tomorrow per the rep), get to 620 on at least on CR.
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Good luck! I have the same outlook on it all. I think my credit score was 499 or 501 when I filed and now they range from 570 to 630, but I have a LOT of things reporting inaccurately. The disputes are in. I have no interest in accruing new unsecured credit, but I really want to buy a house this coming year. My goal is 640 on all three reports by my 3rd BK anniversary..
I am in a 13, btw.Disclaimer: Young, NOT Dumb.(._.) The plan: $480 monthly for 60 months at 100%. 07/12/08
Motion to Discharge: FILED!! 08/07/13
60 down/0 to go \m/(*.*)\m/ 100% complete! -
just approved for Cap One $300. Im done.... got 2 cards and car refi with 3 hits. Rebuilding from here!Comment
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For now I'm just a little uncomfortable to apply for a Capital One (even though I had them in my bk) or any other credit card at this point. This experience is still fresh (and horrible). Right now I still have one credit card left that survived everything and I'm wondering when they will close this one down.Filed chapter 7 Jul 13, 2010
341 hearing Aug 12, 2010 
Trustee's report of no distribution Aug 20, 2010 
Discharged Oct 13, 2010 
Closed Oct 28, 2010.Comment
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If it is a store card with a small credit limit, it may not close down at all. If it is a major credit card with a large credit limit, it will probably close down in the next several months.Originally posted by wnguyen View PostYou can't take a picture of this. It's already gone. ~~Nate, Six Feet UnderComment
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