Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 25
Registered: ‎03-22-2017
0

Like Dominoes they fell! CH13 fell off all three CRA's!

[ Edited ]

What a long road but still have some work to do to get back in w/AMEX and Chase.  My Ch13 fell off all three reporting agencies and I was/am in the process of refinanceing my stupid adjustable rate mortgage to a 30 yr fixed and they did a soft pull after I told them my BK's came off and I went from a 4.2% to a 3.6% refi!!!!!  I did go on a credit building card spree and should have just never touched Chase because I had no clue how many plans they share branding with.  Wasted 5 pulls :-(.   Good thing is I'm out of an adjustable, just added 4 cards to my mix topping me out at $100k limit and added my daughter on as a auth user w/a $500 limit on three of them (my oldest ones).  If I could have gotten back in w/Amex my AoA would be 30 freaking years.   Still work to do but a good day. 

 

 

OH, here's a question.  Doing a cash-out refi to pay off two loans and my truck.  Once I do that all I will have is a mortgage and credit cards (0 CC balance).  Will paying off the truck help or hurt me w/it disappearing as a different type of credit loan? 

CH13. Filed 2010, Discharged 2014, All fell off APR 2017.
Current Scores (4/17/17): 799 Transunion, 822 Equifax, 792 Experian
Re-stablished with a $500 NFCU secured loan that funded a $500 NFCU secured CC .
Current: NFCU Rewards (20K), NFCU Signature Rewards (20K), NFCU CLOC ($15k),PENFED Travel Rewards AMEX (20k), PENFED Platinum Rewards (20k), BankAmericard Travel Rewards Visa (20K), BankAmericard Alaskan Air Signature (21k), Barclaycard (15K), Discover Card iT (12K)
Established Contributor
Posts: 1,036
Registered: ‎07-13-2016
0

Re: Like Dominoes they fell! CH13 fell off all three CRA's!

That's awesome! Congrats! 

Revolving Rebuild Started 6-2016
| BOA | PFCU | NFCU | Discover | CapitalOne | Lowes | Barclays |
Established Contributor
Posts: 501
Registered: ‎05-11-2007
0

Re: Like Dominoes they fell! CH13 fell off all three CRA's!

Congrats, Gypsy!! Wonderful news.

 

We just made our 60th payment and will anxiously wait for our discharge hopefully in the next couple months. Then two more years until we will be with you, seeing it drop off our credit. I want to be in a much better place financially when that happens.

 

I hope that you do something not-debt related to celebrate!

Filed Chapter 13 bankruptcy April 2012 after two and a half years in a DMP. Finally nearing the end!

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.