cancel
Showing results for 
Search instead for 
Did you mean: 

Chapter 13 Should Fall Off in February 2014

Frequent Contributor

Chapter 13 Should Fall Off in February 2014

I have seen several different posts from different people that stated their BK fell off early.  Is that the norm or did they just get lucky???  I 'think' I would love for mine to fall off early.  I know that sounds strange, but I have a feeling I may be rebucketed when it does fall off.  I have no unpaid collections or write offs, no lates, so I kind of wonder if the rebucketing will occur when the BK falls off.  If anyone has any input, I would love to hear from you. Thanks

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 694/EX - 702/TU - 696
Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $2,750 Kohl's $5k / Barclay Rew $2,150 / Barclay Commence MC $2,400 / NFCU Visa Sig Cash Rew $17k / Lowes $12k / Best Buy $5.8k / NFCU LOC $15k / Walmart MC $5,000 / Chase Freedom $1,500 /, Discover IT $10k / Citi DC $2.5k / AMEX BCE $1k / Citi Simplicity $3k
Message 1 of 3
2 REPLIES
Frequent Contributor

Re: Chapter 13 Should Fall Off in February 2014

I just had a bk13 fall off early I just posted. It was not due to fall until at least Oct.

 

Yes, you will be rebucketted when all your negatives fall off. This part I am not looking forward to since I have an old credit card that will fall thus lowering my AAoA by an extreme amount I think.

 

Forgot to mention, its still on only one of my reports, Equifax. TU it is gone, but I think the credit repair company had something to do with its removal. Experian is the one it most recently fell off of on its own.

 

Edit:added more details


Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Message 2 of 3
Highlighted
Senior Contributor

Re: Chapter 13 Should Fall Off in February 2014

Good thing with being rebucketted is that now you can obtain higher scores.  You take a hit initially but can recover much quicker.

Message 3 of 3