topic Re: 700's across the board less than 1 year post CH13 discharge! in Bankruptcy

700's across the board less than 1 year post CH13 discharge!

1Rebuilding — Wed, 04 May 2016 00:58:37 GMT

Today is a good day! 700's across the board 10 months into my rebuild and 11 months post CH13 discharge.

My EQ and EX have actually dropped in the last 10 days due to a car loan being paid off and I let more that 10% report on a cc and lost a few points (paid off now)

My Trans just came up 40 points today! I think I had 1 or 2 of my last bad accounts drop off.

EQ 704 Trans 704 EX 701

PS I would post a pic but I can't see any way I can. I don't see a "My Images" on my profile.

Re: 700's across the board less than 1 year post CH13 discharge!

Its_Me — Thu, 05 May 2016 10:58:09 GMT

Congratulations! I'm about 1 year 8 months post CH13 discharge and I'm at 719 on EQ. My scores were down a bit from high utilization on one card as an AU and from some lates reporting after filing that were included in the CH13. I finally got those removed last month.

What was your strategy?

Re: 700's across the board less than 1 year post CH13 discharge!

1Rebuilding — Sun, 08 May 2016 23:31:48 GMT

I started with 2 unsecured CC from Cap 1. I got my first one and applied for a second 30 days later. I let them build up for about 5 months and applied for an auto loan. I was actually able to get a decent rate at 2.9% over 60 with scores in the mid 600's. It was about this time that both of my cap one cards got a limit increase from 3k on both to 6k and 10k. This gave me a nice bump when it showed up on my reports. I soon tried for another unsecured Cc (discovery) and was approved for $10k off the bat. I've just gardened since then.