Two Month Update After Ch 7 Discharge
Since I am a person who likes information and tried to gather as much as possible before making the decision to file… and figured there are others in this sub seeking the same here’s what my credit and finances look like 2 months after discharge vs when I filed:
Dec 2025 (filing)
Savings - $0
Credit - 680 but unable to get any credit cards due to income/debt ratio, accounts current with no charge offs or late payments at filing
**Constant fear I was one health, car, vet expense away from no return
May 2026 (two months post discharge)
Savings - $4500
Credit - lowest score is 680, highest is 750, I have 2 unsecured credit cards with a $6000 credit line for emergencies and credit building (Mission Lane and Capital One Platinum)
**I had the money to get my cat her shots, fixed the thermostat in my vehicle and paid a medical bill without fear
My biggest regret is not doing it sooner as I would’ve had so much more money in savings. I’m still dealing with my student loan adversary case, but I’m feeling much much better about life in general.