For those planning to not pay before filing (credit score info)

[hnhlvr]

Just thought interesting for those planning to avoid paying credit card payments for months (or a year or more) before filing I'm posting this. WAMU keeps track of my FICO monthly so I can watch it plummet (how fun!).

The first two months I didn't pay, my score went down 30 points per month. As of my third month, it just went down *100* points! I'm not at 539. In May, it was 730!

I was curious as to what would happen, so I posted this in case anyone else was interested in how that all works.

[Keebler]

I thought is it sounded like a good idea myself so I made a graph in my signature.

[TEW]

I stopped 2 months before I filed my score dropped to 540 just before I filed but as soon as everything said IIB it jumped back up to 640. So it went up 100 points with no debt. BOA has put a note on my car loan with the balance. I wonder if I surrender the car will the take that off.
It is interesting to see how it works. It almost looks like history really doesn’t do much for the score.

[TEW]

I thought is it sounded like a good idea myself so I made a graph in my signature.

where did you get that graph

[halloweendmb1]

where did you get that graph

He/She probably right clicked on the mouse, saved the photo and put it into a template. If you "draw" a box you can fit the photo right into the box

just my guess

[Keebler]

where did you get that graph

I plot it in Excel and then capture it and paste it in PhotoShop where I reduce the size and quality until it fits the requirements for the forum.

[TEW]

I plot it in Excel and then capture it and paste it in PhotoShop where I reduce the size and quality until it fits the requirements for the forum.

I'll give it a try
Thanks

[albacore44]

What do you mean B of A put a note on your car loan ? What does that mean ?? Did you have unsecured CC debt they added to your car loan, or can they do something like that ??