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Officially Discharged

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    Officially Discharged

    So my Chapter 13 Discharged on 10/19; made my first mortgage payment and vehicle PIF. Next will try to rebuild but staying away from credit cards. Just looking for one major card for emergencies any suggestions? Navy Fed was in my 13 I don't think they allow any credit items but let me know who to try with; thanks case should close around 12/03!!!!

    #2
    Congratulations on the Chapter 13 discharge!

    The following link is to a thread which will help you rebuild your credit rating rather quickly; that said, it does require you obtain at least three credit cards (even if two are unused), and to use one which reports a small balance on the statement every month:
    Chapter 13 (not 100%):
    • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank cum Bank of Southern California
    • Filed: 26-Feb-2015
    • MoC: 01-Mar-2015
    • 1st Payment (posted): 23-Mar-2015
    • 60th Payment (posted): 07-Feb-2020
    • Discharged: 04-Mar-2020
    • Closed: 23-Jun-2020

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      #3
      Congratulations!!!
      I am not an expert. I share my experiences in the Wonderful Wacky World of Chapter 13! Filed 3-30-18 Confirmed 7-11-18 Discharged 6-8-22

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