My Chapter 13 status - feedback requested

[johnson207]

We are hopefully a week or so away of getting our Chapter 13 plan agreed to. That being said, I looked at my credit report today and my score was 458. I used to have great credit, but I also had almost 60k in debt before waking up and realizing that we could not carry this debt indefinitely and making the gut-wrenching decision to file. I am reminding myself that this was the best decision long term, but the anxiety of dealing with the decision and process in the short term is brutal.

My question is, from a credit score perspective, what should I do? Do I just let it ride and monitor? I know that there are specific rules for Chapter 7 and the 2 year plan to raise your score, but I dont think that there is anything to be done for Ch 13?

Anyone with more history with Chapter 13 have any advice? Please?

[TRC_WA]

Make the payments according to your plan and once completed and with discharge in hand you start to rebuild.

For me it's been pretty painless... I started with a $1000 Cap One card the week of my discharge and over the last 14 months have grown to the accounts and scores you see in my sig.

I didn't follow any guides I just applied for credit.  I didn't need any secured cards to get started either.  A 13 looks better on you than a 7 for obvious reasons and the rebuilding comes faster and easier.

Don't forget a completed 13 falls off your reports 7 years from filing date... instead of 10 with a Chapter 7.

[johnson207]

Got it. Thank you for the feedback.