top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Yay! I'm Discharged!

Collapse
X
Collapse
 
  • Page of 2
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 2 template Next
    #1

    Yay! I'm Discharged!

    Got my official notice this week. I am discharged. I have been monitoring my credit score and it has already increased. It went from a 553 to 563 to 596 beginning April 30 up until now. I'm using myfico.com's Score Watch to keep tabs.

    Since I'm so used to using debit cards and cash, I don't see myself getting in any credit card debt again. Most of my stuff was from college, now what's left is student loans.

    How soon after discharge do most people wait to get/apply for credit cards?
    Filed: 11/9/09 341 Meeting:12/21/09 No assets! Discharged: 5/24/10
    10/2010:EQUIFAX: 589, TRANSUNION: 644, EXPERIAN: 591
    Tags: None
    #2
    Congrats on the discharge.

    Comment

      #3
      Congratulations on the discharge! I was discharged on the 25th myself.
      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

        #4
        Is there a charge for myfico.com?
        Retained lawyer 5/18/10
        Stopped paying CC 5/21/10
        Looking to File Ch7 in July, once we pay the Atty

        Comment

          #5
          Originally posted by ladyjenn View Post
          Is there a charge for myfico.com?
          Of course!

          Comment

            #6
            Yesh, I think it's about $4.95 for the score monitoring.

            Originally posted by ladyjenn View Post
            Is there a charge for myfico.com?
            Filed: 11/9/09 341 Meeting:12/21/09 No assets! Discharged: 5/24/10
            10/2010:EQUIFAX: 589, TRANSUNION: 644, EXPERIAN: 591

            Comment

              #7
              Originally posted by prettyobk View Post
              Yesh, I think it's about $4.95 for the score monitoring.
              Per time of use, per month, per week?????
              Retained lawyer 5/18/10
              Stopped paying CC 5/21/10
              Looking to File Ch7 in July, once we pay the Atty

              Comment

                #8
                Know Your FICO Scores and Credit Reports | myFICO
                http://www.myfico.com/Default.aspx
                90% of top lenders use FICO Scores. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence.

                Comment

                  #9
                  OK, you are one of our wonderful successes. Now, go into your new life and new start without worry of credit scores. Don't look and pay cash. Remember what got you here.

                  Presenting our now World (or Forum) famous hamsters for your Dance of Victory:

                  Error 404 (Not Found)!!1
                  http://video.google.com/videoplay?docid=-3894301868978665655#



                  If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

                  Comment

                    #10
                    Per month.
                    Originally posted by ladyjenn View Post
                    Per time of use, per month, per week?????
                    Filed: 11/9/09 341 Meeting:12/21/09 No assets! Discharged: 5/24/10
                    10/2010:EQUIFAX: 589, TRANSUNION: 644, EXPERIAN: 591

                    Comment

                      #11
                      Congrats on your discharge!!!! WhooooHoooo!!!


                      P.S. I applied for a Cap One card about 2 weeks after discharge Good Luck!
                      May 2008 Hired 1st Attorney/Stopped paying CCs
                      May 21, 2009 Retained 2nd Attorney
                      May 28th - Filed for Ch 7 (FINALLY!)
                      9/11/09 - DISCHARGED!!!!

                      Comment

                        #12
                        Thx...Did you get the card? I had one with them years, and years ago. I wonder if they'll give me one...I wonder if my score is high enough to get any card. But I was thinking of waiting a little while to apply. I'm scared the inquiry will mess me up.

                        Originally posted by liz417 View Post
                        Congrats on your discharge!!!! WhooooHoooo!!!


                        P.S. I applied for a Cap One card about 2 weeks after discharge Good Luck!
                        Filed: 11/9/09 341 Meeting:12/21/09 No assets! Discharged: 5/24/10
                        10/2010:EQUIFAX: 589, TRANSUNION: 644, EXPERIAN: 591

                        Comment

                          #13
                          This is great of course, but I'm wondering why it took you 5 months after the 341 instead of the customary 2 months. I hope to get my discharge in less than 10 days.

                          Comment

                            #14
                            Most people get it in under 6 months. Never heard of it being as soon as 2...But doesn't mean it can't happen.
                            Originally posted by JackBondLove View Post
                            This is great of course, but I'm wondering why it took you 5 months after the 341 instead of the customary 2 months. I hope to get my discharge in less than 10 days.
                            Last edited by prettyobk; 05-30-2010, 07:01 PM.
                            Filed: 11/9/09 341 Meeting:12/21/09 No assets! Discharged: 5/24/10
                            10/2010:EQUIFAX: 589, TRANSUNION: 644, EXPERIAN: 591

                            Comment

                              #15
                              Congrats!

                              We were discharged on the 29th !

                              Comment

                              Previous 1 2 template Next

                              bottom Ad Widget

                              Collapse
                              Working...
                              X