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Active To Discharge Status

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CreditBob
Established Contributor

Active To Discharge Status

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?

Message 1 of 5
4 REPLIES 4
FireMedic1
Community Leader
Mega Contributor

Re: Active To Discharge Status

Not really. They are not factured into your overall/individual util %. Your gains will be when the BK falls off.


Message 2 of 5
coreyb80
Super Contributor

Re: Active To Discharge Status

Congrats on being close to the finish line of your 13.

Message 3 of 5
Yeliaba1
Frequent Contributor

Re: Active To Discharge Status

Congrats on your upcoming discharge.  Mine discharged in Aug 19 and even with low utilization on my EX increased about 5 points.

Message 4 of 5
Yeliaba1
Frequent Contributor

Re: Active To Discharge Status

Congrats on your upcoming discharge.  Mine discharged in Aug 19 and even with low utilization only my EX increased about 5 points.

Message 5 of 5
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