https://ficoforums.myfico.com/t5/Bankruptcy/CH13-DISCHARGED/m-p/5685044#M65579 <P>Congrats!</P><P>You should be over 700 in no time.</P><P>BK date is file date not discharge date so you are way ahead already.</P><P>GL!</P> Sat, 20 Jul 2019 19:38:49 GMT Shooting-For-800 2019-07-20T19:38:49Z https://ficoforums.myfico.com/t5/Bankruptcy/CH13-DISCHARGED/m-p/5685013#M65576 It’s been way to long since posting on here, but I thought I would give anyone in a ch13 some inspiration. Filed 03/15/2016. Discharged 07/19/2019. It has been one hell of a journey (not a fun one), but I have made it through. Scores at discharge are EQ-639 TU-627 EX-626. I was able to use self lender at the beginning of my plan in order to get a positive account reporting. I was approved for the USAA secured card around the same time, which has since been closed because it doesn’t graduate. LendUp card opened about a year into my plan. And credit one card opened 6 months ago. I had a trustee who didn’t care about new accounts as long as it was 5k or under. I am currently in the underwriting process of getting a VA loan to buy my first house, and as soon as I close I will be purchasing a vehicle since I have been without one for months. Chapter 13 really teaches you how to manage finances and credit and it isn’t all bad! Never making the same mistakes again! Sat, 20 Jul 2019 18:49:26 GMT https://ficoforums.myfico.com/t5/Bankruptcy/CH13-DISCHARGED/m-p/5685013#M65576 Anonymous 2019-07-20T18:49:26Z https://ficoforums.myfico.com/t5/Bankruptcy/CH13-DISCHARGED/m-p/5685044#M65579 <P>Congrats!</P><P>You should be over 700 in no time.</P><P>BK date is file date not discharge date so you are way ahead already.</P><P>GL!</P> Sat, 20 Jul 2019 19:38:49 GMT https://ficoforums.myfico.com/t5/Bankruptcy/CH13-DISCHARGED/m-p/5685044#M65579 Shooting-For-800 2019-07-20T19:38:49Z