I filed in September and am due to be discharged soon. I reaffirmed my car (I have had perfect payment history on it). Will it help my score when it starts reporting again? One of factors that myfico mentions is my lack of an installment loan reporting.
I did the same thing last year, Two yrs w/perfect payments on a Cap1 loan. Once DC'ed. They started to report to the CRA's again and it shows as an installment loan reaffirmed. They didn't report each month from filling the papers to DC. As far as score. I didnt monitor until after 3 months out. Once I got the score it was already figured in. Just BK was the hit. Hope that helps.
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's.