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dead13
Registered User
Last Activity: 02-15-2018, 01:03 PM
Joined: 10-04-2017
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  • Just my personal experience.....We filed 13 then converted to a 7. An AMEX Blue credit card that is soley in my name was zero balance and left open. Did not include it in the bankruptcy as there was not an amount due. (Totally forgot about it really. Have not used it in years.) However, I did include...
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  • dead13
    replied to Effect on Credit Score
    Yes, it happens. Mine went up 80 points the day after filing, and over two years later, is up almost 200 points. (knock on wood) We mentioned it to our lawyer, and he said that happens to almost everyone. Goofy!
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  • dead13
    replied to Discharged -- now what?
    Legally, everyone gets one free credit report each year which covers all three credit bureaus. The website: www.annualcreditreport.com

    I pulled mine a couple of months ago, and it even showed that I had opted out of pre-screened offers for all three bureaus....
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