Reply
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

BK13 GONE....

My BK13 is not set to fall until like Oct this year. So far my TU one is gone and has been gone a few months. The Experian one just fell off between the 16th and today. Yes sir! Now I am waiting for ole Mr. Equifax to follow suit. Guess they will probably hold it til the very end. I saw no score increase on Experian on my fako score. it was the last negative item on it outside of a late payment from jan.


Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Established Contributor
Posts: 999
Registered: ‎11-08-2011
0

Re: BK13 GONE....

[ Edited ]

CAnNY - 

 

What else that's really bad is on your reports?  There's got to be something b/c you're @ 7 years and your scores are in the low/mid 6's.  I'm guessing what ever it is is why you didn't get a bump when the BKs fell off.  Or... haven't you been rebuilding at all for the last 2 years?  I guess that could do it, too.

 

7 years post filing a 13 I think most people I've seen are well into the 7's.

 

You don't have to answer if you don't want, but I'm working on a CH13 to 720 guide and I'm really curious.  Note: I see that 1 late in Jan, but that shouldn't hit you so hard.  If you haven't done it recently, I'd do a triple pull from www.annualcreditreport.com and make sure everything is right.

 

Thanks,

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

Re: BK13 GONE....

No I don't mind.

First I did not know I could even have a credit card or any credit really while in my 5yr bk13. I knew approval was needed for more than $1500 of credit, but never occurred to me that it was for credit cards too.. Second, I was afraid of credit cards too and chose to just use my debit and cash. Third, I only started my rebuild in March this year. I got two secured cards end of March this year then worked with a credit repair co to get the baddies off. All were removed in May basically except for the Bk13 on my Ex & Eq along with a CA for $200 from 2007 that shows only on my Eq and it recently reports as 120day late go figure. Lol. So I only have the 3 baddies. I recently opened 2 nonsecured cards in July with NFCU. I keep my utilization at less than 30%. I wish my scores were higher but considering what I started with I'm better. Had i known what i know today i would have gotten cards long time ago. Considering I just started I think my scores are appropriate. what do you think?

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

Re: BK13 GONE....

Oh wait the late that is from jan is a 120 day late due to no fault of my own, but I can't get it removed on my student loans. Two report separatly and each has like 30, 60, then like 4 or so 120 day lates in a row with the last one showing in Jan 2013. I had no clue they were in repayment and they never told me. I had the same number for years, but I have moved a few times. Needless to say cant get them to budge on them, so I let them be.

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.