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soblue

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About soblue

  • Birthday 07/09/1980

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  1. Washington, DC
  2. Hello! I looked through the board and could not find a clear answer on this. if there is a thread or post feel free to provide the link. I just need a solid plan of action. I already spoke to an attorney I do qualify for a Chp 7. I already filed Chp 7, 8 years ago. This is my second BK7. I have student loans and rehab (2 months now) that were defaulted and some that is heading into default I have read things saying to not file Bk while in Rehab or the other way around? Can someone please clarify this for me? My goal is to rebuild and repair my credit immediately. the first time I filed BK7 I should not have. I should have just cleaned it up. This time is when I really need it! Please help thanks! I also just opened a savings account with NFCU; I only have $25 in there as I wasn't sure if I should keep it open during bankruptcy?
  3. Thank you and I have read through here I just don't feel I am savvy enough. I will try though
  4. Hello!! Ok so here is my dilemma. Im 25 years old and just discovered what Chexsystem is. I lost my job and my checking account became overdrawn for $420 dollars. Half of which are fees from TD Bank. I contacted TD immediately after I received my first paycheck and they said they were in the process of closing my account it was on day 61; so I just missed it by a day!! Grrrrr! I begged and pleaded ask to speak to supervisors and all I got was there is nothing we could do. So, I hopped online and back on this board and after reading through everything I went the next day which was this past Tuesday and opened up 4 checking accounts Wells Fargo, Bank of America, Citizens Bank and local Credit Union. I didnt want to take any chances on when they would report me to Chexsystems so I just went the very next day. From what Ive read once youre in ChexSystems you cant open a checking account for 5 years! Thats crazy! There is no way I could go 5 years. The reason I opened 4 is because I saw where some accounts were closed because the bank did a Chexsystems sweep, so I figure out of 4 I have a better chance of having at least one stay open. My other reasons are because I need to establish credit; so I want to get secured credit cards with all these banks and start utilizing. My credit file was blank up until last year. I have 2 collections, one medical and one is from an AT&T bill and I am assuming now the one from TD bank will appear soon. I just started working with Credit saint credit repair (heard good things about them and good BBB rating) Im not that savvy in contacting the bureaus myself. OK so basically I just need a game plan at this point on how to establish my credit from this point on and rebuild. I REALLY hate I let these stupid 3 things even get on my file! Please help and sorry for the long rant!
  5. Hello!! Ok so here is my dilemma. Not sure if this is the right forum. I’m 25 years old and just discovered what Chexsystem is. I lost my job and my checking account became overdrawn for $420 dollars. Half of which are fees from TD Bank. I contacted TD immediately after I received my first paycheck and they said they were in the process of closing my account it was on day 61; so I just missed it by a day!! Grrrrr! I begged and pleaded ask to speak to supervisors and all I got was there is nothing we could do. So, I hopped online and back on this board and after reading through everything I went the next day which was this past Tuesday and opened up 4 checking accounts Wells Fargo, Bank of America, Citizens Bank and local Credit Union. I didn’t want to take any chances on when they would report me to Chexsystems so I just went the very next day. From what I’ve read once you’re in ChexSystems you can’t open a checking account for 5 years! That’s crazy! There is no way I could go 5 years. The reason I opened 4 is because I saw where some accounts were closed because the bank did a Chexsystems sweep, so I figure out of 4 I have a better chance of having at least one stay open. My other reasons are because I need to establish credit; so I want to get secured credit cards with all these banks and start utilizing. My credit file was blank up until last year. I have 2 collections, one medical and one is from an AT&T bill and I am assuming now the one from TD bank will appear soon. I just started working with Credit saint credit repair (heard good things about them and good BBB rating) I’m not that savvy in contacting the bureaus myself. OK so basically I just need a game plan at this point on how to establish my credit from this point on and rebuild. I REALLY hate I let these stupid 3 things even get on my file! Please help and sorry for the long rant!
  6. Sky blue is indeed a JOKE!! I know from experience as I just fired them! I signed up last October to get some help with cleaning up after my BK. They removed a couple items but NOTHINg major and the items they got removed was like personal information or wrong address. I promptly requested that they honor their money back guarantee. They had the audacity to try to negotiate. I was like ooooh no, I want ALL of my money, PERIOD! They credited back my account over $500 dollars. They had to do it in $49 dollar increments and a couple lump's of $150 but it all went back to my card 3 days after I requested my money. I will be cleaning up my own reports myself from this point on!

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