Re: How are you supposed to rebuild your credit post bankruptcy?
How does your "secured" cards report on your credit report? Do they say "secured"? How long have you had them?
Chapter 13 Date filed: 3/17/20 Meeting of the creditors (341): 5/20/20 Confirmation hearing: 6/11/2020 Deadline for filing claims: 6/17/20 Plan confirmed: 7/2/2020 Deadline for filing claims (Government): 9/14/20
Scores as of 01/15/21 (MyFICO Monthly Subscription/updates on the 8th of every month) Equifax 634 Transunion 622 Experian 637
Open Accounts Great Lakes (Student Loan) Pd Never Late - Perfect History/will not update until PIF $4,220 balance at $140 per month Target (Survived Bankruptcy) Pd Never Late - Perfect History $3,000 limit/$0.00 Balance Cartier (Survived Bankruptcy) Pd Never Late - Perfect History $8,000 limit/$0.00 Balance NFCU Amex (AU) $25K limit/$10K balance (removing soon) NFCU Secured Card (Trustee Approved) Card Graduated to NFCU Cash Rewards (Unsecured) $2K limit/will PIF each month before statement cuts TD Bank Secured Card $500 limit/will PIF each month before statement cuts
All closed accounts are reporting correctly with $0.00 balance