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2 Years after Chapter 7

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    2 Years after Chapter 7

    It is exactly 25 months after my Chapter 7 BK was discharged.
    With help of this forum and my wife, i have completed my life around.

    Credit Score is 739
    Just got Mortgage approved today, closing in about 10 days.
    Got a job end of 2013 making almost 6 figures.

    Here is my tips. Apply a credit card (secured or low credit limit). start using it, but don't ever use over 50% of your allowed limit.
    Also my wife has good credit, and has several credit cards, and added me as second card holder on all her cards.
    most important: PAY OFF your card every month.

    Thanks for the support and help from everyone here.

    #2
    Well done!

    I'm about 18 months out of BK7 and want to see about a mortgage refi when I hit 24 months. Seeing as you just did it, do you have any BK-specific advice regarding the mortgage process? Was it an issue?
    Chapter 7, above median, no asset. Discharged with no UST involvement.

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