I'm not kidding. Im about 32 months into a 36 month plan. I was able to get a mortgage and several trade lines open while in the 13 (with trustee approval). Been paying everything on-time and off, and I was able to get my scores into the 700's. Took two years. Started in the low 500's right after the 13 was filed. I have been disputing the bad stuff on all three CRs and got most of it all removed over the course of the last two years. Keep in mind these are Credit Karma scores which are vantage 3 scores, but still I have never been this high in years, let alone with an open 13 still listed on them.
Looks like you are rebuilding well. Your FAKOs look good. How are your FICOs?
Free or $1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.
Not too bad. Thanks for the headsup. You can see the trans score is way different but the other two are not bad. Plus my Experian Auto 8 score is 701. Thats a plus.
