10 months post discharge

[Its_Me]

My chapter 13 was discharged 10 months ago. I just checked my Equifax  FICO mortgage score through DCU and its 691. Only 9 more points until I reach 700! It was a rough journey but there is life after bankruptcy!

[Anonymous]

Yes, there is! Seven years for me since filing and the scores I have blow my mind. Well, except for Experian, who hasn't dropped the "bad" stuff yet. It will happen!

CONGRATULATIONS!!!

In my wallet: Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000; Barclay Ring Platinum MasterCard. 12,500. Total Credit: 61,800.
6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 6; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

[TRC_WA]

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@Anonymous wrote:

Yes, there is! Seven years for me since filing and the scores I have blow my mind. Well, except for Experian, who hasn't dropped the "bad" stuff yet. It will happen!

6/27-FICO: EQ - 789; TU - 781; EX - 681

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Yeah... that's what I'm expecting.  ^^

Mine are 678/687/665 with the BR and IIB accounts still reporting on all 3 for a few more months.  TU is my lowest score but will be the first one to delete everything with EQ and EX to follow.

[Its_Me]

We filed January 2010 so we have a while before ours and the baddies falls off the credit reports. That will be the next milestone, January 2017!

[Anonymous]

Yay! It gets closer evey day!

In my wallet: Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000; Barclay Ring Platinum MasterCard. 12,500. Total Credit: 61,800.
6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 6; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.