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@TRC
Thank you for the Congrats but.........
NO BS...Only Factual. There was a plan we had followed and we could have not succeeded without our Myfico friends!
Good Luck to you on your rebuilding😀
@Chilli wrote:@Anonymous
Thank you for the Congrats but.........
NO BS...Only Factual. There was a plan we had followed and we could have not succeeded without our Myfico friends!
Good Luck to you on your rebuilding😀
I'm already rebuilt... I think my profile speaks for itself. All I'm waiting on now is for everything to fall off in 9 months (TU) and 12 months (EQ/EX) which is going by the 6 month TU and 3 month EQ/EX early deletion.
Back to your "factual".... you filed Ch 13 in April 2013... were discharged 9 months later (how did you even pull that off?) and 10 months after that you had a 750 TU?
No, I don't believe it. Cool story though.
@TRC
I could copy and paste the chart with my scores from Myfico but I don't have anything to prove to anyone but myself...
Again, good luck you...and I wish you the best.😘
Double Post
@ Chilli I am not sure what you are saying here is possible. You can't file a chapter 13 and 9 months later have it discharge unless you have paid the creditors in full. MOST won't even think about allowing it to be discharged untill you have paid at least 3 years into the plan. I don't see that happening. My 2C
and now for some positive feedback. I am currently in a Chapter 13, and have been preapproved for a house. It's possible. Rebuilding your credit IS possible, it took me about six months of relentess work to do it, but my husband and I needed a 640 mid score to qualify and we clocked in at 647/651. You have to go through your credit report w/ a fine tooth comb and make sure its all reporting as included in the plan, closed and at the very minimum $0 past due. This took letters and complaints witht he CFPB but it got done. Then for rebuiding, get a secured card. People will tell you that you can't take on new debt while in a Chapter 13 - Thats correct however, it applies to unsecured debt.
It can be done. It's not easy, but it isnt impossible. A majority of the people who say it can't be done haven't been in the position to try.
@apeydee416 wrote:
It can be done. It's not easy, but it isnt impossible. A majority of the people who say it can't be done haven't been in the position to try.
I don't think anyone here has said rebuilding from a Ch 13 is impossible.
I found it to be super easy in fact... and in another 8-12 months everything falls off and I'll be well into the 700's.
As long as you are patient, it's a cakewalk.