Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
Re: What to expect next...
Yeah but there is still one on there. A ch 7 filed in 2003. Will be removed Aug 2013. I really screwed up 8-10 years ago, obviously. Once my reports are BK free, I will be super happy. Smiley Happy

Yes the Ch 13 actually fell off a month early in Sept so I am hoping the same will happen with Ch 7. The plans are LONG and it ties up your finances for a long time. I know how you feel. But you are almost there. I saw a big boost in my credit score about a year ago so I think you will see a boost long before it falls off and it sounds like you did given you were able to lease. Leases typically require a score of 700+ so congrats to you on getting an auto loan lease approval!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014