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    Credit Score Recovery

    How long your score actually take to recover. i realize that the bk is on record for 10 years, but can you get credit before that? From the time of discharge how long will it take for your score to be respectable?
    Filed Aug 28 2009
    341 Oct 2 2009-Asset Case
    Discharged Dec 16 2009
    Waiting for tax return and asset buy back to close

    #2
    My parents filed and had good credit a year later.

    I'm hoping the same thing happens for us!
    4/09 Converted to a Ch 7 due to loss in dh's income
    5/09 UST now involved no idea what happens next
    7/09 UST has decided to withdraw his motion to dismiss!
    7/27/09 DISCHARGED!!!

    Comment


      #3
      you'll start getting credit offers the month after bk. they aren't good offers, but they are out there.
      filed ch7 May 09
      341 june 09
      discharged, closed Aug 09

      Comment


        #4
        I got my first credit card offer in the mail yesterday. First Premier Bank hitting me up.
        BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
        Scores: EQ 745 EX 704 TU 710 as of 08/15/2012

        Comment


          #5
          Originally posted by Amy26 View Post
          I got my first credit card offer in the mail yesterday. First Premier Bank hitting me up.
          First Premiere is a silly company. I'm in active bankruptcy (Chapter 13), and they sent me an offer as well.
          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
          Status: (Auto) Discharged and Closed! 5/10
          Visit My BKForum Blog: justbroke's Blog

          Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

          Comment


            #6
            Originally posted by music12 View Post
            you'll start getting credit offers the month after bk. they aren't good offers, but they are out there.
            After filing or after discharge?
            Filed 09/18/2009
            341 10/16/2009
            Last day to object 12/15/2009

            Comment


              #7
              Originally posted by justbroke View Post
              First Premiere is a silly company. I'm in active bankruptcy (Chapter 13), and they sent me an offer as well.

              I tend to agree, as much as I respect Denny Sanford for donating close to $600 million dollars to Sioux Valley Hospital here in my home town (now named Sanford Hopsital), how he got the money is either pure genius or pure rip-off, depending on how you look at it. But there are those that need credit and are rejected by other lenders, 1st Premiere targets those individuals.
              Filed 09/18/2009
              341 10/16/2009
              Last day to object 12/15/2009

              Comment


                #8
                get offers all the time now.... no hurry to get any new credit...... im enjoying life now.......I have not tried to get any new credit but im sure the credit sharks are looking for you.....
                Last edited by TroubleinCalif; 07-26-2009, 06:43 PM. Reason: make it understandable
                Filed August 15th 2008
                Discharged:12/08/2008
                Closed: 2/23/2009

                Comment


                  #9
                  Originally posted by bxphae View Post
                  After filing or after discharge?
                  after filing.
                  filed ch7 May 09
                  341 june 09
                  discharged, closed Aug 09

                  Comment

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