After our discharge a little over a month ago, the very last thing that happens to a case is it’s closing, which is so boring there’s not even a PDF to download, and I assume nothing will be mailed to us. Both the trustee and our attorneys have sent us their congratulatory notes, essentially signing off.
Anyway, it took almost exactly one month for the case to close. For some reason, I continued stalking PACER to just watch it get ended officially.
The more important development is that the credit rebuilding is underway. We’re paying our mortgage directly now, and that is now being reported to the bureaus.
I got approved for a $3000 unsecured card. That inquiry temporarily took me down from 520 to 460 or so. But then in the last couple of days the mortgage payment history took me up to 659, in “Fair” territory for the first time in probably 10 years.
And with very low utilization on this card, and of course on-time full payments, more juice will come from that. I suspect I might actually get about 700 by the end of the year, which is faster improvement than I expected.
I’m still a little scared that we won’t manage our credit well. I think that fear is good, though. I’m grateful for all that we have, and hopeful about the future. There is life after Chapter 13.
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