I only have six more payments in my chapter 13 plan. My accounts included in bankruptcy all have a zero balance. When the status goes from open & active to discharged will my FICO scores increase or not? There is open & current accounts with no late payments. Has anyone else that has gone through a chapter 13, able to recall if anything has changed as far as the score?
Not really. They are not factured into your overall/individual util %. Your gains will be when the BK falls off.
Congrats on your upcoming discharge. Mine discharged in Aug 19 and even with low utilization on my EX increased about 5 points.
Congrats on your upcoming discharge. Mine discharged in Aug 19 and even with low utilization only my EX increased about 5 points.