Reports - Need advice, who is better to keep?

[Anonymous]

Hi all - I'm clear that all 3 bureaus reports to include My FICO, CreditReport.com and others all have different score numbers (via formula's, scoring systems etc), but through the CR clean up process, who is better to have for maintenance?  Should I just pay one particular source and pay for a credit score monitor through someone else?  My BK isn't discharged until 9/2015, in which then, I will reach out to all bureaus for a more detailed clean-up but in the interim, while I am doing some house keeping on other stuff, I am asking for your opinion(s).

Thank you for your continued assistance, you guys are great resources.

[Scupra]

Why is your discharge so far??

[Anonymous]

I'm sorry, that is a type...DC is 9/24/15 (Chapter 13)

[Anonymous]

I haev corrected the typo in my profile, sorry about that

[Scupra]

I like myFICO because they are FICO scores. Other than that, creditkarma is fine for updates! I'm not well versed on BK13's though sorry!

[StartingOver10]

Agree with Scupra. Use Credit Karma to see when your creditors report balances on the various tradelines, but ignore their scores.

[Anonymous]

Thanks Scupra and StartingOver10!  

[TRC_WA]

How did you come up with 9/24/15 as a discharge date?

[Anonymous]

TRC_WA....I didn't come up with a 9/24/15 discharge date, we filed chapter 13 September 24, 2010 on a 5 year plan at 100% payback, our final payment is 9/24/2015.

[TRC_WA]

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@Anonymous wrote:
TRC_WA....I didn't come up with a 9/24/15 discharge date, we filed chapter 13 September 24, 2010 on a 5 year plan at 100% payback, our final payment is 9/24/2015.

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Ok... because you can expect your discharge 30-120 days AFTER you make your final payment.  It most definitely does not happen the same day or even the same month that you make your final payment.  There is an audit done and your creditors also have 30 days to object I believe.

I made my last payment 2/11/13 and didn't get the discharge till 5/7/13.

Just FYI.