So happy! I had over 250K in unsecured debt (credit cards, personal loans, and a small EIDL) Small business/Sole Prop. My debt was more business debt than personal but we filed just a regular consumer chapter 7. My only regret is not filing earlier. I had an excellent attorney as well.
Filed 1/26
341 3/4
Discharged 5/4
State – PA
The day I filed I had a 785 FICO – never missed a payment. Right now I’m at 614/590/629 across all 3 bureaus. My Vantage 3.0 is 705 (I don’t really pay attention to that score because the banks don’t use it) I am doing a ride through on my car. I have a low payment, low milage car with equity that I wanted to keep but we decided on doing a ride through instead of reaffirm.
Time to rebuild! I’m going to wait for my credit report to continue to update before I apply for anything. Will probably try for a cap 1 card (I didn’t burn them) to start with. For now, I’m going to be added as an authorized user to a few cards of a family member.
submitted by /u/Fair_Pattern_3831
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