Chap 13 question

[johnson207]

The Ch 13 is not quite completed, although we made the first payment in the plan. The trustee had some additional information that was needed. Hopefully, the agreed upon plan will be finalized in the next couple of weeks or so.

Do the credit rebuilding steps that are referenced for Chapter 7 apply to 13 also? Any recent 13 filers have any experience with rebuilding credit scores? 

[Anonymous]

I don't believe the Ch 7 plan is needed for Ch 13.  (No offense to you SM)

My scores were 630ish when I got my Ch 13 discharge last May.  You can check my signature to see my current scores and the accounts I have in the order that I opened them.  I bought a car the same week I got my discharge and got the loan at 8.9%.

I just refinanced it last week to 3.99%... saving me $90 a month and $5200 over the course of the loan.  As for credit cards, I am all set in that department.  I don't need anything else.

It's been less than a year and my rebuild couldn't have gone any better.