Do my eyes deceive me?? Discharged today!!??

Anonymous · ‎05-11-2020

So I logged into Pacer just right now to check the status of my Ch 13. It says Filed 5/11/20 - Discharge of Debtor. I checked the case status just to make sure and I'm DISCHARGED!!!! If I wasn't at work, sitting at my desk, I'd be jumping around screaming and hollering! It was a LONG three years!! Woo hoo! There IS light at the end of the tunnel y'all!! Happy Monday!

Will my scores go down any lower once its reported as discharged on my credit report? Or would it increase a bit? (Wishful thinking but I doubt it'll increase. LOL)

Since I currently already have a mortgage, car loan, and some credit cards...I'll just have to sit tight until the BK falls off my credit reports in three years.

matt14 · ‎05-11-2020

Congrats @Anonymous

Anonymous · ‎05-11-2020

@matt14 Thank you! Such a relief!

Mjhall85 · ‎05-11-2020

That is awesome! Makes for a great Monday!

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693

FireMedic1 · ‎05-11-2020

Congrats @Anonymous ! Your credit score after a Chapter 13 Bankruptcy discharge will vary. Your new score will depend on how good or bad your credit score was prior to the filing of the Chapter 13 Bankruptcy. For most you can expect to see quite a dip in your overall credit score. This is a common result, when you have any type of bankruptcy attached to your credit report. It’s best to proactively address the issues which first caused the Chapter 13 Bankruptcy. Then take the proper steps to ensure it doesn’t occur again.

BK Free Aug25

Anonymous · ‎05-12-2020

@Anonymous - I'm so happy for you!! Better days are ahead! Please keep us posted!

& thanks again for all of your help pertaining to chapter 13! It's grealty appreciated

Anonymous · ‎05-12-2020

@Anonymous Thanks! I'll still be around.

Anonymous · ‎05-13-2020

@FireMedic1 Thanks! I've learned alot while in my Chapter 13 and hope that I do not wind back up back to where I was. I was able to get my credit reports and all seem to have been updated with my Chapter being discharged. But I noticed a lot of the accounts IIB on the Experian report shows different BK filing dates (I filed on October 27, 2016 and some are listed with other dates in October 2016 and November 2016.) I hope this shouldn't matter as long as the public record portion on my report shows that the case was discharged.

Anonymous · ‎05-13-2020

My Fico8 score also increased 7 points since the discharge updated on my CRA. It's now at 617. Not the best, but better than 610.