The decision to file bankruptcy is a highly indiviualized and personal decision. Only you know what is best for your financial situation. Consult an attorney for more information. Bankruptcy laws DO NOT allow you to choose the debts you would like to eliminate versus other debts that you would like to repay. A debt not listed on your credit does not effect your credit report or score. However, the debt does effect your credit worthiness with the lender to whom you owe the debt. Additionally, depending on the circumstances (i.e. timeline, etc.) a debt that is not currently listed on your credit report(s) may be listed later or sold to a third party debt collection company.
Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
