Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 29
Registered: ‎10-06-2010
0

Ch13 BK Finally Gone!

After disappearing from my EQ and EX CR's over the previous 2 - 3 months, my Ch13 BK aged off my TU CR about two weeks ago.  In March when the BK was still present, my FICO scores were:  EQ 692, TU 711, EX ?.  This morning they are:  EQ 716, TU 785, EX ?.  I'm not sure why the TU score jump was so significant, but hey, I'll take it.  Note that there is still a chargeoff weighing down the EQ FICO.  With the record of the BK finally gone, a huge weight has been lifted, and I just wanted to share my experience with this stage of the BK aging process.  Smiley Very Happy


Starting Score: EQ 683, TU 617, EX ?
Current Score: EQ 716, TU 785, EX ?
Goal Score: 750+


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Ch13 BK Finally Gone!

Congrats!

Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Ch13 BK Finally Gone!

Very nice - congrats on your rebuilding.

 

I think the TU is pretty much in line with what can be expected if you've been building your credit post BK.  And I would guess that your EQ will be in the same neighborhood when the chargeoff is no longer weighing it down.

 

Thanks for sharing - what a super feeling that must be!  Congrats again!

Just puttin' syrup on something, don't make it pancakes.
New Member
Posts: 7
Registered: ‎06-23-2011
0

Re: Ch13 BK Finally Gone!

You made it!!  What a hurdle you've accomplished and certainly not an easy one!  Your hard work and persistence has a happy ending.  My congrats to you. 

 

I look forward to sending the same email to this forum at some point.

Valued Contributor
Posts: 1,150
Registered: ‎01-22-2008
0

Re: Ch13 BK Finally Gone!

Congrats OP!!  Your pre BK fall off scores are almost identical to my current scores.  I also have one negative BK account on EQ and EX as well.  I hope I get a similiar jump when my BK falls off!!!

 

Thanks for sharing!


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (05/11/16): EQ 679 TU 650 EX 668 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($1800) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Established Member
Posts: 29
Registered: ‎06-12-2011
0

Re: Ch13 BK Finally Gone!

Congratulations!!! =D

 

 



"Chapter 7 Bankruptcy (05/17/2011)"
Starting Score: EQ 557, TU 544, EX 562
Current Score: EQ 621, TU 601, EX 599 (06/13/2011)
Goal Score: 700
Capital One - No Hassle Cash Rewards CC
Orchard Bank credit card (high interest rate) Not using

Highlighted
Member
Posts: 12
Registered: ‎05-29-2007
0

Re: Ch13 BK Finally Gone!

How many years after discharge did this occur?

I am sitting at 6 years and 8 months since Chapter 13 discharge and am looking forward to it being gone.

Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Ch13 BK Finally Gone!


Carthoris wrote:

How many years after discharge did this occur?

I am sitting at 6 years and 8 months since Chapter 13 discharge and am looking forward to it being gone.



So close!  What a great holiday gift (maybe even an early holiday gift) you've got in store - woot-woot!

Just puttin' syrup on something, don't make it pancakes.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.