what kind of credit score can i expect to have after a chapter 7 dicharge.
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All depends on where you start. Also, if you keep your bills current.Originally posted by I3iggI3oiMy credit scores:
Before Filing: Tr 496, Ex 496, Eq 507
Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116) -
Like Nascar said,........... What was/is your score before you filed??
And did you carry any positive reporting tradelines thru the BK with you. Mortgage?? Auto Loan?? Those will help as well.
Your score will take a hit from the BK. But then your score will rebound somewhat from the debt load you've been carrying disappearing.
Paying payments right up to the time you file vs having to go a while skipping payments before you filed has an impact.
How long you've had credit overall. If you've had credit for years and years with lots of "Closed. Paid as Agreed." accts prior to some unexpected event beyond your control happening that threw your finances into disarray.
Lots of factors impact any one individual person's score.
The biggest thing you can do to help yourself out is to sign up with a Credit Monitoring service and work on cleaning up inaccuracies in your Credit Report.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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Why don't you take you bible banging somewhere else? If you pick a fight with Minny, you got one with me to!Originally posted by quincyfun
My credit scores:
Before Filing: Tr 496, Ex 496, Eq 507
Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)Comment
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Problem Child Taken Care Of.................Minny
"It's amazing the paths that our feet sometimes follow in life".
My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.Comment
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Thanks for putting your ugly stick to good use, Minny! So nice to see all the troll droppings left around here yesterday are gone, sayonara, adios, over and out!Originally posted by MinnymouthI am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to goComment
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