cancel
Showing results for 
Search instead for 
Did you mean: 

It's been 7 long years...

tag
dt3813
Regular Contributor

It's been 7 long years...

7 years ago I began my journey.  5 long years paying $3600-2600/ month in a chapter 13 and almost 2 years waiting for my last derogatory marks to age off my credit report.  Today Equifax removed my chapter 13 and last 2 derogatories.  I officially have clean credit reports. I have recoved.  You can too.  It's a lot of work.  These forums are priceless.  EQ 777 TU 781 EX 757  I am so happy.  Thank you for all your help.


Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000




9 REPLIES 9
Anonymous
Not applicable

Re: It's been 7 long years...

What an outstanding way to bring in the new year! 

So happy for you and your successful credit journey! 

Message 2 of 10
pizza1
Community Leader
Super Contributor

Re: It's been 7 long years...

Much respect to you, and much congrats are in order!

Going thru a BK is life changing, we can all agree on that. Getting thru it takes patience, and hard work.

Very nice scores, and much luck to you in the future going forward Smiley Happy
Message 3 of 10
Guyatthebeach
Valued Contributor

Re: It's been 7 long years...

Congratulations on your success!

Message 4 of 10
Anonymous
Not applicable

Re: It's been 7 long years...

Nice!
Message 5 of 10
oldman425
Frequent Contributor

Re: It's been 7 long years...

Great job!  Mine should be falling off in May or June of this year.

12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Message 6 of 10
Anonymous
Not applicable

Re: It's been 7 long years...

Congratulations and happy new year!  I will be able to share the same feelings in June of this year.

Message 7 of 10
NYFan63
Established Contributor

Re: It's been 7 long years...

Congrats dt - quite the accomplishment!!
Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 8 of 10
StartingOver10
Moderator Emerita

Re: It's been 7 long years...


@dt3813 wrote:

7 years ago I began my journey.  5 long years paying $3600-2600/ month in a chapter 13 and almost 2 years waiting for my last derogatory marks to age off my credit report.  Today Equifax removed my chapter 13 and last 2 derogatories.  I officially have clean credit reports. I have recoved.  You can too.  It's a lot of work.  These forums are priceless.  EQ 777 TU 781 EX 757  I am so happy.  Thank you for all your help.


^^^Congratulations! What fantastic results Smiley Happy

 

Message 9 of 10
dt3813
Regular Contributor

Re: It's been 7 long years...

@oldman425  that last few months feels like an eternity, but when it happens.....feels soooo good!


Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000




Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.