You can get you FICO scores here. Links should be at the top of the page.
As far as rebuilding while you are still in Ch 13... I'd advise against it. Any approvals you can get (secured or unsecured) will be limited by the fact your credit report most likely shows a not yet discharged bankruptcy which will cause red flags with any potential lender.
Also, it's a big no no to apply for new credit without the permission of the trustee. The trustee is not your friend. The wrong trustee could make things very difficult for you if he catches wind of credit applications while still under the protection of the court... up to and including dismissal of your case.
It's a big deal.
For the record, I rebuild the profile you see in my sig pretty easily... and I didn't start until the day after my Ch 13 discharge.
Welcome to myFICO. 
@TRC_WA wrote:You can get you FICO scores here. Links should be at the top of the page.
As far as rebuilding while you are still in Ch 13... I'd advise against it. Any approvals you can get (secured or unsecured) will be limited by the fact your credit report most likely shows a not yet discharged bankruptcy which will cause red flags with any potential lender.
Also, it's a big no no to apply for new credit without the permission of the trustee. The trustee is not your friend. The wrong trustee could make things very difficult for you if he catches wind of credit applications while still under the protection of the court... up to and including dismissal of your case.
It's a big deal.
For the record, I rebuild the profile you see in my sig pretty easily... and I didn't start until the day after my Ch 13 discharge.
Welcome to myFICO.
Good advice...
@Anonymous wrote:Thanks for that. I think I'll heed TRC_WA's advice and not try to build credit yet. It helps reading about other people's situations and how they've made progress. Thanks! 😊
Anytime...
BTW, yes, living on the debit card for 4 years did suck. Some weeks I literally had $20 left. I made it through it though and now my consolation prize is I'm just a few months away from everything falling off my credit report.
When it's all over you should feel proud for having completed the plan. I know I do.
You can do it!!! There is BIG life after a 13, but just be patient, disciplined and keep your eye on the prize.
Yes, take it as a lesson to do better with your finances on the other side. That's what the process taught me. I came out wiser and you will too. Hang in there. It gets sweeter!
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I totally understand. I basically lived on this fourm in the begining years of my CH13. I read a lot of posts before I even registered. I learned so much it made the process of rebuilding. I agree with everyone, rebuilding is very difficult while still in CH13. It's not impossible. I did recieve approval from my trustee but I stuck with pretty much 1 limit the entire time until discharge no CLI.
It was very difficult to live on such a restricted budget with virtually no wiggle room. In my case the process of going through the Chapter 13 and successfully being discharge was a challenge and taught me a lot of valuable lessons. There are days that I freak out of even a letting a balance report because the thought of debt just made me so scared. Eventually it enabled me to control my finances, live below my means, and learn a lot through all the fourm members here to use credit wisely in your favor. Think of it this way.... if you can manage now (albeit hard) by the time you complete it you will feel rich! LOL (at least I did). Keep the faith and I look forward to hearing your progress throughout this journey!!!!!!!!!!
