One year later

[mikeyisbroke]

Hi Everyone,

I've been one year post discharge and wanted to share in case people are worried their lives are over after BK....it isn't and really is a true fresh start:

November 2010 - Discharge FICO 515
February 2011 - Started new job after 1-year unemployment, qualified for 1st credit card (crappy terms); FICO 550
May 2011 - Qualified for 2nd Credit Card (not as crappy terms); FICO 600
December 2011 - Approved for First Apartment since BK; FICO 652 (though had to double security deposit).

A couple of new tips I follow:
1. I watch my credit report religiously
2. I'm rather anal about paying off balances in full as soon as it posts (I don't charge more than $50-100 per month).

I'm sharing because I was nervous about filling; but despite the skeleton in the closet following me everywhere I go; I've learned to mange with it and it really is giving me new opportunities to start fresh. I have no regrets about filing.

Good luck to everyone and best wishes for the holiday.

mikeyisbroke

[keepsmiling]

Hey mikey, hope your name no longer implies your condition....

thanks for the update, always good to hear!

[oregonpilot]

Hi mikey...same for me. Today is one yr since discharged & closed. It is amazing what a yr will bring.
No regrets!!

[df04527]

gosh - where did the year go?

[oregonpilot]

gosh - where did the year go?

I know...I blinked and the yr was gone. So this is what happens when the big 60 comes.

[df04527]

Yup and worse! Lol

[mikeyisbroke]

I know it sure does go by fast.

Thanks oregonpilot

I presume you are a pilot - one of my goals with my fresh start is saving up enough cash to start my PPL training.

[oregonpilot]

good mornin mikey.....I am. though not current. Got my private 12 yrs ago when my hubby (ex) and my son both got their licenses. I was scared to death but perservered Thought at 48 I was too old to be doing this.
I probably had twice as many hrs as a "normal unafraid" person would have. So took nearly 3500. to get the private....in a little Piper Tomahawk.

I was still afraid to fly alone even after getting the private so went on and got my instrument cuz i knew with instrument training you are always with an instructor.

Havent flown for about 9 yrs now. ......Chapter 7.....broke...... had to say that cuz this is the chapter 7 thread. LOLOL

Thats how my new hub and i met....my ex and i bought his Cherokee 180. Sad to say it got sold in the divorce. Wouldn't have been able to put gas in it anyway.