Discharged today!

[maurand]

What is the name of your state?What is the name of your state? WY

My discharge came through today and now, according to PACER, my status is "Awaiting Closing". What's that mean? Am I done? Can I go on with the rest of my life? Any thoughts from anyone on rebuilding my credit? Thanks.

 

[Ladynred]

Yes, you are DONE !! Congrats !!
All the 'awaiting closing' means is that the Trustee hasn't filed the paperwork to officially close out your case. Depending on the work load, it might take days, could take a week or more.

As for rebuilding credit, wait at least 3 months, then pull all your reports. Every account in your bankruptcy should be reported as 'included in bankruptcy' (or similar wording), show a ZERO balance, and NOT show any lates or charge-offs AFTER your bk filing date. If an account was late or charged-off BEFORE you filed, that's part of your account history and can stay. A debt discharged in bankrutpcy can't be reported late or past due.

Head over to www.creditinfocenter.com or www.creditboards.com for more help and tactics for credit repair.