Out of curiosity, I decided to check my credit report just to see what is listed as included in BK, and what the creditors who did not file claims on my Bk were saying on my credit report, and was quite surprised to see that my credit score (Transunion, so not true FICO score, but regardless) was showing up as 664! This seemed really high to me since it was hovering around 700 before I filed last year. I figured it'd be in the lower 500's for sure. Does anyone else know what their credit score is while in CH 13, and if so, are you willing to share that number? Also, does anyone know it the % payback in the CH 13 is ever figured into the equation?
-
Filed CH 13 September 17, 2007
Plan Modified July 8, 2009 from $1100/month to $400/month due to change in income, finally discharged in July of 2013! -
I had in the 660's with truecredit.
When I checked myfico.com, it was 560's. 100 points lower. -
myfico is the only site to get your real scores. Mine currently are TU 633/Equifax 641/Experian 609.
Experian has been by far the worst in cleaning up credit reports.Comment
-
Ours were in the 690's when we applied for refinancing to buy out of our Plan and do major house repairs. We were shocked. That was 3 1/2 years into our Chapter 13. Almost two years after discharge, we are in the high 700's.
The trick is to make all, and I mean all, payments on time during your Plan and afterwards. Do not be late with anything. It pays off..._________________________________________
Filed 5 Year Chapter 13: April 2002
Early Buy-Out: April 2006
Discharge: August 2006
"A credit card is a snake in your pocket"Comment
Comment