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I am at the end of the payments and awaiting my discharge. I decided to pull my creidt scores and to my great sadness they are 591, 591, 578. My inital reaction is to start disputing everything on my credit which I will continue to do. I am wondering though did anyone see any sort of increase in their credit score when the discharge was reported? I really want to rebuild my creidt I just need to know how bad this is going to be. Thanks!
Congratz on getting to the end of your payments!
GREAT SUCCESS on Your part!
My scores did not go up when I was Discharged.
Scores are a reflection of the past in my opinion. As I applied and received credit, it started going up. That is, after I incurred charges, and paid them in full before the end of that billing cycle.
I just logged on now, because I received a notification from Experian of a score change. As of now, it is at 686.
That is up from 548 at my Ch 13 Discharge Order date this past May. I mention this not to "look at me", rather to demonstrate how scores can change over time, and it is not immediate upon discharge as I would have liked, and did HOPE for.
Be as patient as you can, and work the plan that you have developed in anticipation of this new beginning.
Best Wishes!!!
Some report positive score changes, and some report none. Im in a 13 now and have mid 600 scores. But I have started the rebuild two years ago with the trustee's approval. Im hoping for a nice increase when my 13 discharges soon.
I also started the rebuild process two years ago with trustees approval. I was discharged from my CH13 last month and my scores are between 653-669. I have disputed everything that I could and was able to remove a few old things not related to the 13. So even though I feel everything is now accurately reporting, the negative stuff related to the 13 won't fall off for another 2 years. I'm in the process of paying off my student loans, so I hope that will give me a boost.