I chapter 13 April 2007... and I think that's some of my problem with Chapter 13, it remains open until you finish the repayment period.
Chapter 7 as soon as you go to court your done and it closes and the time it stays on your credit starts to click away.
I think my credit is being shafted with this 13 businesses!
My equifax keeps bouncing from 550-612 back and back again... grrr
last pulled experian and tu are in low 500's
I have since got my Usbank under 50%
and taken out 3 new cards (starter.. blah)
but I think it's just going to take time now to get those scores back especially while still in this 13.