cancel
Showing results for 
Search instead for 
Did you mean: 

Ch 13

tag
Warrior2000
Regular Contributor

Ch 13

My credit scores are hovering around 660ish from 587 in November on '13. I have a Ch 13 listed on EQ only from 01/01 dismissed shortly thereafter. Any way to get EQ to stop listing this darn thing? Another question, by my estimation, this should come off my report in 01/17 correct?
Message 1 of 9
8 REPLIES 8
09Lexie
Moderator Emerita

Re: Ch 13

EQ maintains dismissed Chapter 13s for 10 years from filing date. 

Message 2 of 9
TRC_WA
Senior Contributor

Re: Ch 13


@09Lexie wrote:

EQ maintains dismissed Chapter 13s for 10 years from filing date. 


Correct.  ^

 

If you complete your plan it's 7 years (can't wait for 2016)... Dismissed is 10.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 3 of 9
Anonymous
Not applicable

Re: Ch 13

Filed 4/2009, discharged 7/2014.  So its off the CRs in 2016...  Very refreshing to finally read this on these forums as I was getting mixed answers elsewhere.  Smiley Tongue

Message 4 of 9
TRC_WA
Senior Contributor

Re: Ch 13


@Anonymous wrote:

Filed 4/2009, discharged 7/2014.  So its off the CRs in 2016...  Very refreshing to finally read this on these forums as I was getting mixed answers elsewhere.  Smiley Tongue


Same filing date as me although I paid off and got discharged last year and the rebuild is going well.

 

Have you checked your reports and pulled your FICO scores?

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 5 of 9
Anonymous
Not applicable

Re: Ch 13

Nope, not yet... I was planning on doing that as the first step but I feel like I need to wait to pull the reports.  I have a 1st and 2nd mortgage and an auto loan that was not included in the bk13.  Do I need to give them time to report after the discharge or is it ok to pull the reports now and just start disputing stuff that looks wrong?

 

Also got my first CC offer in the mail today - a preapproval from CreditOne.  I'm cringing at the $75 setup fee though and feel like I can do better as a first step back toward rebuilding.  What do you think?

Message 6 of 9
TRC_WA
Senior Contributor

Re: Ch 13

I'd go ahead and pull your reports now and make sure that all the accounts you IIB are marked as such.  They should be 30 days post discharge.

 

As for the credit card... I didn't have to use any of the crap lenders like Credit One and First Premier.  I went straight to CapOne and applied and was approved for a $1000 Platinum card (now $2000) the day after I got my discharge... my scores were 630's across the board.  I then got a Quicksilver a couple months after that...  then I converted the Plat to a QS and now I have 2... and the latter is now the lowest limit major CC in my lineup.

 

Try CapOne before you pull the trigger on CreditOne.  If approved I'd definitely skip CreditOne.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 7 of 9
Anonymous
Not applicable

Re: Ch 13

Perfect advice... It seems that our situations are very similar.  I was actually planning on heading down that route with CapOne and had my eye on the Platinum last night even... So I'll probably pull the trigger since I'm also in the low to mid 600's right now ATB.  I'll start a new post so I can log my credit rebuilding journey as I have seen some others do on here.  Thanks again!  We'll definitely have to coroborate over the next couple of years (and celebrate in 2016, right?)   Smiley Very Happy

Message 8 of 9
TRC_WA
Senior Contributor

Re: Ch 13

Yeah feel free to keep in touch via PM.

 

I've got my profile where I want it to be... other than a couple inquiries from BECU this year (car loan refi and CC CLI) all the rest of my inquiries associated with all these new accounts are a year old or close to it... My UTIL is up because I financed a couple big 0% purchases (home furnishings/appliances) that I am paying off in the next 6-8 months.   I have no plans to app for anything else.

 

So... when 2016 gets here my 13 falls off and I'll have 0 inquiries.  I should be in really good shape to get whatever I want...  The only thing I might do before then is trade my car... but I know I won't be getting any more CC's between now and then.

 

Gardening is good...

 

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.