topic Re: Just broke 700 post Ch 7 in Bankruptcy

Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 19:18:49 GMT

Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.

Re: Just broke 700 post Ch 7

Scupra — Wed, 22 Apr 2015 19:29:44 GMT

@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.

Wow! That's amazing, what have you done?

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 20:00:22 GMT

@Scupra wrote:
@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.
Wow! That's amazing, what have you done?

Almost too good to be true right?

I've seen the few Ch 13 filers who claim to be 700 across the board with a discharge date of 6 months ago... this is the first Ch 7 filer who claims to hit 700 so soon and it's on EQ about 2 months after discharge.

OP's TU and EX scores are up 40 and 60 points in 2 months? Hmmmm ok.

I think we'd all love to know the secret because I can tell you from experience that opening new CC accounts nearly 2 years ago... then opening a few more a year after that, and paying them every month while maintaining a UTI of less than 20% across the board hasn't been good enough to get me to 700 because I continuously see the same "too many derog accounts with public record" all in reference to my BK13.

I have a hard time believing that what I've done in my rebuild hasn't gotten me to 700 in almost 2 years (discharge 5/13) but someone else can get a BK13 discharge less than 6 months ago (another thread) or a Ch 7 discharge 2 months ago (this thread) and hit 700.

I did briefly hit 700 on EQ in December but my score dropped when I bought the car a month later. EX 686 and TU 677 are the highest either has gotten and I've still got 6-9 months till everything falls off.

So yeah, call me skeptical.

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 20:18:50 GMT

@TRC_WA wrote:
@Scupra wrote:
@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.
Wow! That's amazing, what have you done?
Almost too good to be true right?

I've seen the few Ch 13 filers who claim to be 700 across the board with a discharge date of 6 months ago... this is the first Ch 7 filer who claims to hit 700 so soon and it's on EQ about 2 months after discharge.

OP's TU and EX scores are up 40 and 60 points in 2 months? Hmmmm ok.

I think we'd all love to know the secret because I can tell you from experience that opening new CC accounts nearly 2 years ago... then opening a few more a year after that, and paying them every month while maintaining a UTI of less than 20% across the board hasn't been good enough to get me to 700 because I continuously see the same "too many derog accounts with public record" all in reference to my BK13.

I have a hard time believing that what I've done in my rebuild hasn't gotten me to 700 in almost 2 years (discharge 5/13) but someone else can get a BK13 discharge less than 6 months ago (another thread) or a Ch 7 discharge 2 months ago (this thread) and hit 700.

I did briefly hit 700 on EQ in December but my score dropped when I bought the car a month later. EX 686 and TU 677 are the highest either has gotten and I've still got 6-9 months till everything falls off.

So yeah, call me skeptical.

Re: Just broke 700 post Ch 7

Chilli — Wed, 22 Apr 2015 20:28:33 GMT

CONGRATULATIONS, OP!

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 20:29:05 GMT

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 20:30:08 GMT

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 20:31:46 GMT

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 20:37:04 GMT

LOL... but are those pics your actual scores?

Seriously though, I don't care. Grats.

Just another example of the FICO algorithm being totally random. There is no set in stone way to hit 700 inside of 2 years... because I sure as hell haven't and I've done an exceptional rebuild and done everything that you are supposed to do (good payment history, low utilization, blah blah blah)... and have been told that by many on these very forums.

It's god awful annoying.

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 20:35:13 GMT

@TRC_WA wrote:
@Scupra wrote:
@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.
Wow! That's amazing, what have you done?
Almost too good to be true right?

I've seen the few Ch 13 filers who claim to be 700 across the board with a discharge date of 6 months ago... this is the first Ch 7 filer who claims to hit 700 so soon and it's on EQ about 2 months after discharge.

OP's TU and EX scores are up 40 and 60 points in 2 months? Hmmmm ok.

I think we'd all love to know the secret because I can tell you from experience that opening new CC accounts nearly 2 years ago... then opening a few more a year after that, and paying them every month while maintaining a UTI of less than 20% across the board hasn't been good enough to get me to 700 because I continuously see the same "too many derog accounts with public record" all in reference to my BK13.

I have a hard time believing that what I've done in my rebuild hasn't gotten me to 700 in almost 2 years (discharge 5/13) but someone else can get a BK13 discharge less than 6 months ago (another thread) or a Ch 7 discharge 2 months ago (this thread) and hit 700.

I did briefly hit 700 on EQ in December but my score dropped when I bought the car a month later. EX 686 and TU 677 are the highest either has gotten and I've still got 6-9 months till everything falls off.

So yeah, call me skeptical.

Still skeptical after the timelines I posted? Now, each situation is different. I did it. Beyond a doubt. I can't guess the mindset of others, but I have no idea what kind of person would come on a board designed to help people and make up some false story. Then again, people everyone else thinks the same way they do. Maybe this is your mentality. I posted this to help people. I will PM anyone who is interested my story. Again, each credit file is very unique.

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 21:04:05 GMT

@Anonymous wrote:

Still skeptical after the timelines I posted? Now, each situation is different. I did it. Beyond a doubt. I can't guess the mindset of others, but I have no idea what kind of person would come on a board designed to help people and make up some false story. Then again, people everyone else thinks the same way they do. Maybe this is your mentality. I posted this to help people. I will PM anyone who is interested my story. Again, each credit file is very unique.

Nah I'm not skeptical.

It's obvious one or more of your derogs has been deleted from EQ.

It's believeable because:

a) your TU and EX scores are still 640s-660s

b) deletions are a sure fire way to get an instant score boost

You're right, credit files are unique.... and you didn't go up 100 pts inside of 2 months on ONE of the three CRAs any other way but derog deletion.

Cool story tho... grats.

@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.

Please though... fill us in on the big secret.

My apologies to all for taking so long to do the math! LOL

Re: Just broke 700 post Ch 7

Chilli — Wed, 22 Apr 2015 20:46:29 GMT

@Anonymous wrote:
@TRC_WA wrote:
@Scupra wrote:
@Anonymous wrote:
Equifax FICO 8 updated today. It was 702. I filed in Dec 14 and was discharged 3/18/15 (about one month ago). My path really worked for me, it is a modification of the famous thread here.
Wow! That's amazing, what have you done?
Almost too good to be true right?

I've seen the few Ch 13 filers who claim to be 700 across the board with a discharge date of 6 months ago... this is the first Ch 7 filer who claims to hit 700 so soon and it's on EQ about 2 months after discharge.

OP's TU and EX scores are up 40 and 60 points in 2 months? Hmmmm ok.

I think we'd all love to know the secret because I can tell you from experience that opening new CC accounts nearly 2 years ago... then opening a few more a year after that, and paying them every month while maintaining a UTI of less than 20% across the board hasn't been good enough to get me to 700 because I continuously see the same "too many derog accounts with public record" all in reference to my BK13.

I have a hard time believing that what I've done in my rebuild hasn't gotten me to 700 in almost 2 years (discharge 5/13) but someone else can get a BK13 discharge less than 6 months ago (another thread) or a Ch 7 discharge 2 months ago (this thread) and hit 700.

I did briefly hit 700 on EQ in December but my score dropped when I bought the car a month later. EX 686 and TU 677 are the highest either has gotten and I've still got 6-9 months till everything falls off.

So yeah, call me skeptical.
Still skeptical after the timelines I posted? Now, each situation is different. I did it. Beyond a doubt. I can't guess the mindset of others, but I have no idea what kind of person would come on a board designed to help people and make up some false story. Then again, people everyone else thinks the same way they do. Maybe this is your mentality. I posted this to help people. I will PM anyone who is interested my story. Again, each credit file is very unique.

OP, I agree with you!

I had success in my rebuilding efforts after my discharge as well. My rebuilding success is not a secret. I had followed Soul Masters plan. I worked HARD cleaning up my reports until I eventually got ALL of IIB TLs removed. 😉

Now, I am able to get CCs and an auto loan with very good Cls and APRs.

keep up the good work...keep doing what you are doing, OP.

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 20:54:31 GMT

@Chilli wrote:

OP, I agree with you!

I had success in my rebuilding efforts after my discharge as well. My rebuilding success is not a secret. I had followed Soul Masters plan. I worked HARD cleaning up my reports until I eventually got ALL of IIB TLs removed. 😉

Now, I am able to get CCs and an auto loan with very good Cls and APRs.

keep up the good work...keep doing what you are doing, OP.

Like I said in the previous post... deletions are a sure fire way to get an instant score boost.

That is exactly why your scores are higher than mine despite the fact you were discharged over 6 months later. It doesn't have anything to do with a solid rebuild... your derogs were deleted and mine haven't been... due to the fact I haven't hit 7 years yet.

How you pulled it off I have no idea. Derog deletion isn't a big secret... succeed and get a score boost. It's not rocket science.

Grats though.

Re: Just broke 700 post Ch 7

securingourfuture — Wed, 22 Apr 2015 20:51:18 GMT

That's awesome!! Congratulations!

Re: Just broke 700 post Ch 7

Chilli — Wed, 22 Apr 2015 21:12:01 GMT

@TRC_WA wrote:
@Chilli wrote:

OP, I agree with you!

I had success in my rebuilding efforts after my discharge as well. My rebuilding success is not a secret. I had followed Soul Masters plan. I worked HARD cleaning up my reports until I eventually got ALL of IIB TLs removed. 😉

Now, I am able to get CCs and an auto loan with very good Cls and APRs.

keep up the good work...keep doing what you are doing, OP.

Like I said in the previous post... deletions are a sure fire way to get an instant score boost.

That is exactly why your scores are higher than mine despite the fact you were discharged over 6 months later. It doesn't have anything to do with a solid rebuild... your derogs were deleted and mine haven't been... due to the fact I haven't hit 7 years yet.

How you pulled it off I have no idea. Derog deletion isn't a big secret... succeed and get a score boost. It's not rocket science.

Grats though.

thank you...How I pulled it off?

I didn't frivolously spent my time...I utilized all avenues that were available to me...the forums...Soul Masters Plan, and the FCRA ...as well as received help and advise from those that were before me.

Now I try to pay it forward by trying to encourage those that come behind me.

Re: Just broke 700 post Ch 7

Anonymous — Wed, 22 Apr 2015 21:23:18 GMT

TRC_WA you coming across as a hater ITT

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 21:56:26 GMT

@Chilli wrote:

@Chilli wrote:

OP, I agree with you!

I had success in my rebuilding efforts after my discharge as well. My rebuilding success is not a secret. I had followed Soul Masters plan. I worked HARD cleaning up my reports until I eventually got ALL of IIB TLs removed. 😉

thank you...How I pulled it off?

I didn't frivolously spent my time...I utilized all avenues that were available to me...the forums...Soul Masters Plan, and the FCRA ...as well as received help and advise from those that were before me.

Now I try to pay it forward by trying to encourage those that come behind me.

You already said you got your IIB TLs removed... No need to change your story now. I'd love to see your FCRA reference though!

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 22:03:56 GMT

@Anonymous wrote:
TRC_WA you coming across as a hater ITT

Nah I'm not a hater... Just frustrating to have to wait out the 7 year removal while others circumvent the system with early removal of valid info. The removal of invalid info is one thing... Valid info is another.

I'm mad at myself for taking 30+ minutes to figure it out... For a minute there you actually had me thinking you pulled off some miracle rebuild tactic and I was doing something wrong. In reality you got a derogatory removed like the other poster and got a score boost.

Not a surprise in the slightest. I'll get out of the way now so you can keep patting yourself on the back... didn't mean to rain on your parade.

Ciao...

Re: Just broke 700 post Ch 7

Chilli — Wed, 22 Apr 2015 22:35:44 GMT

@TRC_WA wrote:
@Anonymous wrote:
TRC_WA you coming across as a hater ITT
Nah I'm not a hater... Just frustrating to have to wait out the 7 year removal while others circumvent the system with early removal of valid info. The removal of invalid info is one thing... Valid info is another.

I'm mad at myself for taking 30+ minutes to figure it out... For a minute there you actually had me thinking you pulled off some miracle rebuild tactic and I was doing something wrong. In reality you got a derogatory removed like the other poster and got a score boost.

Not a surprise in the slightest. I'll get out of the way now so you can keep patting yourself on the back... didn't mean to rain on your parade.

Ciao...

@Anonymous, not for nothing, why does it bother you if it was valid or invalid...just be happy for the op. In any event, as far as I know, credit reporting agencies do not remove valid TLs.

I'm making mashed potatoes tonight...I'll have extra.

Just kidding😆 so don't go off... lighten up a little.

Re: Just broke 700 post Ch 7

TRC_WA — Wed, 22 Apr 2015 22:46:04 GMT

@Chilli wrote:
@TRC_WA wrote:
@Anonymous wrote:
TRC_WA you coming across as a hater ITT
Nah I'm not a hater... Just frustrating to have to wait out the 7 year removal while others circumvent the system with early removal of valid info. The removal of invalid info is one thing... Valid info is another.

I'm mad at myself for taking 30+ minutes to figure it out... For a minute there you actually had me thinking you pulled off some miracle rebuild tactic and I was doing something wrong. In reality you got a derogatory removed like the other poster and got a score boost.

Not a surprise in the slightest. I'll get out of the way now so you can keep patting yourself on the back... didn't mean to rain on your parade.

Ciao...
@TRC, not for nothing, why does it bother you if it was valid or invalid...just be happy for the op. In any event, as far as I know, credit reporting agencies do not remove valid TLs.

I'm making mashed potatoes tonight...I'll have extra.

Just kidding😆 so don't go off... lighten up a little.

Is this the part where you tell me your IIB TLs that were removed were invalid?

LOL

I am very lightened up... In another 6-9 months everything I have will be deleted with the 7 year early exclusion. If anything I'm kicking myself for doing things the right way.

Nothing else to to say on the topic. I would like the 2 hours of my life back that I spent on this thread though.