Hurry up and get your Free FICO score, just did it and it is legit.
First 10,000 people.
First 10,000 people.
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Chapter 7 Filed 5-28-08
314 Meeting on 7-02-08
Current Credit Score 628
Chapter 7 Discharged 9-3-2008 -
No more than 9,998 remaining...
Scores 576 and 605Discharged November 2008 100 days after filing no-asset Chapter 7. We intended to let a two-year-old vehicle go back to the bank and reaffirm an inexpensive ten-year-old SUV and our home mortgage. In the end we surrendered ALL of our vehicles and reaffirmed NOTHING. We'll "ride through" our mortgage after the court ruled it an undue hardship. -
Gosh, mine went from 740 to 512 since mid May when we stopped paying our cc. We will be filing at the end of this year...
May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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I'm still at 709 but I just stopped paying my CC's... I guess the slope now begins.Comment
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Thanks for the link.
Mine is 682, DH's is 688.
We are 3 years into a 5 year Chapt 13.
I think we were both in the 560 range about 1 year ago. Guess things are getting better.
Thanks again!
K
PS: If only I could get our mortgage company to report our payments, we probably could see some additional improvement.....Has anyone had any luck with this in a 13?????You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing
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614
Not as bad as I thought it would be. I know I was in the 700's within the last couple years, and then about a year ago when I bought my last car I was at 680.Filed: 7/31/08
341: 9/19/08
Report of no distribution 10/23/08
DISCHARGED: 11/19/08 (Day 60)Comment
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I get a message AFTER filling everything out that the system is unavailable! No credit score showed.
Did they by any chance email it to you?5/29 Filed 7~ 341-on 6/24
8/27-DISCHARGED
11/2 - CLOSED
EQ-604 EX-605 TU-560 ~4.5 months after dischargeComment
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No worries, I got the same message. Log out and try logging back in every few minutes. You will get it eventually (go to the member services/center).
the site may just be super busy right now - just taking a guess on that.
KYou can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icingComment
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Thanks for the link. I've moved up a category into good.
Filed Ch 7 2/21/08
Discharged 6/5/08!!!!
"Dogs are not our whole life, but they make our lives whole."~ Roger CarasComment
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Finally got it to work!
605 for Hubby
594 for me
This is the first time I have seen scores since long before filing. Pretty bad.
What I dont like is the repeat negative that effects it such as :
You have a public record and a serious delinquency on your credit report.
AND
You have multiple accounts showing missed payments or derogatory descriptions. (only 9 though out of at least 14)
I would think these would mean basically the same thing! Not to mention it says my score is lower because: "You have a short credit history"
9 years is my oldest account. Thats half my ADULT life! why would that be considered short?
I am really starting to see why people hate these credit bureaus. A serious revamp is definately needed.Last edited by momof5; 10-02-2008, 07:15 AM.5/29 Filed 7~ 341-on 6/24
8/27-DISCHARGED
11/2 - CLOSED
EQ-604 EX-605 TU-560 ~4.5 months after dischargeComment
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