topic Re: FAKO scores over 700 even with open Chapter 13. in General Credit Topics

FAKO scores over 700 even with open Chapter 13.

Anonymous — Fri, 04 Jun 2021 05:45:33 GMT

I'm not kidding. Im about 32 months into a 36 month plan. I was able to get a mortgage and several trade lines open while in the 13 (with trustee approval). Been paying everything on-time and off, and I was able to get my scores into the 700's. Took two years. Started in the low 500's right after the 13 was filed. I have been disputing the bad stuff on all three CRs and got most of it all removed over the course of the last two years. Keep in mind these are Credit Karma scores which are vantage 3 scores, but still I have never been this high in years, let alone with an open 13 still listed on them.

Re: FAKO scores over 700 even with open Chapter 13.

AllZero — Fri, 04 Jun 2021 04:49:34 GMT

Looks like you are rebuilding well. Your FAKOs look good. How are your FICOs?

Free or $1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Re: FAKO scores over 700 even with open Chapter 13.

Jnbmom — Fri, 04 Jun 2021 04:57:23 GMT

Congrats on your successful rebuild.

I would however get your FICO scores as these can range anywhere from 50 -100 points from vantage scores.

Re: FAKO scores over 700 even with open Chapter 13.

babygirl1256 — Fri, 04 Jun 2021 04:58:49 GMT

Congrats on your credit rebuild . . . great accomplishments in just 2 years!!!

Re: FAKO scores over 700 even with open Chapter 13.

Anonymous — Fri, 04 Jun 2021 05:46:08 GMT

Not too bad. Thanks for the headsup. You can see the trans score is way different but the other two are not bad. Plus my Experian Auto 8 score is 701. Thats a plus.