I wasn't sure whether to post this here or in the after stories topics.
I am going to track how long it takes to rebuild my credit scores. Scores come from MyFico - I subscribed for the monthly three bureau scores. I'll add some notes when there are big movements. Probably won't update monthly unless scores really move.
I started looking at my scores right after receiving notice that payments were complete. Discharge date should be tomorrow - 4/22/2026 - haven't received any notice of creditors objection.
Current Score History:
Big negatives:
Bankruptcy - filed 5/17/2022 so will be on here until 5/17/2029
Late payments from before the bankruptcy filing, so will start disappearing in late 2021 to early 2022
Remaining balances too high on installment loans - HELOC and parent plus loans are basically at their high point compared to initial balances. Will come down a little over time (final balloon payment on HELOC due in September 2028)
Positives - good credit mix; four years since last late payment. (Actual late payment, not incorrect reporting that I am disputing)
Actions taken so far: Disputed some incorrect reporting, opened two more credit cards
Drop from 6/1 to 7/1 was driven by a few things:
Credit Inquiry for new credit cards plus a parent plus student loan
Average age of account and age of newest account dropped with the new credit cards
Some creditors reporting incorrect information: Capital one reporting auto loan recently closed (they seem to report this every week with a new date of closure) - last payment to them which paid the account in full was late 2023, early 2024 (can't remember which, but could find if needed from the NDC ledger); HELOC and first mortgage reporting late payments from when they were in bankruptcy and the trustee was making payments. I have disputed these and hopefully will be removed.
I am going to track how long it takes to rebuild my credit scores. Scores come from MyFico - I subscribed for the monthly three bureau scores. I'll add some notes when there are big movements. Probably won't update monthly unless scores really move.
I started looking at my scores right after receiving notice that payments were complete. Discharge date should be tomorrow - 4/22/2026 - haven't received any notice of creditors objection.
Current Score History:
| date | experian-fico 8 | equifax-fico 8 | transunion-fico 8 |
| 4/10/2026 | 639 | 632 | 597 |
| 5/1/2026 | 641 | 637 | 603 |
| 6/1/2026 | 647 | 637 | 607 |
| 7/1/2026 | 622 | 625 | 598 |
Big negatives:
Bankruptcy - filed 5/17/2022 so will be on here until 5/17/2029
Late payments from before the bankruptcy filing, so will start disappearing in late 2021 to early 2022
Remaining balances too high on installment loans - HELOC and parent plus loans are basically at their high point compared to initial balances. Will come down a little over time (final balloon payment on HELOC due in September 2028)
Positives - good credit mix; four years since last late payment. (Actual late payment, not incorrect reporting that I am disputing)
Actions taken so far: Disputed some incorrect reporting, opened two more credit cards
Drop from 6/1 to 7/1 was driven by a few things:
Credit Inquiry for new credit cards plus a parent plus student loan
Average age of account and age of newest account dropped with the new credit cards
Some creditors reporting incorrect information: Capital one reporting auto loan recently closed (they seem to report this every week with a new date of closure) - last payment to them which paid the account in full was late 2023, early 2024 (can't remember which, but could find if needed from the NDC ledger); HELOC and first mortgage reporting late payments from when they were in bankruptcy and the trustee was making payments. I have disputed these and hopefully will be removed.
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