Regular Contributor
Posts: 134
Registered: ‎02-22-2013

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

EQ FICO Lender pull 6/6/14 = 687
EX FICO Lender pull 6/6/14 = 709
TU FICO Barclay & Lender pull 6/6/14 = 711
Cap 1 Quicksilver One $3.5k // Credit One $1,675 // First National $2k // Kohl's $1,500 // Barclay Rew MC $4,000 // Sallie Mae MC $3,800 // NFCU Visa Signature Cash Rewards $10k
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013

Re: Chapter 13 Should Fall Off in February 2014

[ Edited ]

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: 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

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Senior Contributor
Posts: 3,923
Registered: ‎10-26-2012

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.

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