Somehow my CH13 fell off 2 months early, maybe because I disputed it a million times! It was supposed to fall of in July, but I heard sometimes they go ahead and delete a bit early. My score was 699 last time I checked in late March. With the CH13 deleted, it's now 791!! No other significant changes to my file other than a new target account, which would actually lower my score a bit. I'm thrilled! I don't know if I should check TU or EQ just yet.
how could you be at 699 with a chapter 13 on there....I had a bk chapter 7 6 years ago and I am only a 630 with Equifax.....I have ccs car loans...no home loan though....maybe thats it
Each individual always has major differences. It could be a number of factors as to why my score was 70 points higher than yours with roughly the same age CH13. High debt/credit ratios will kill your score, and I had less than $300 debt with $30k avaiable credit (only less than 1% of my available credit was being used). That alone was probably worth a lot of points. Also, I never missed a payment since 1996 when I began to re-establish credit, and I always payed significantly more than the minimum amount due. And I only had 1 hard inquiry (which I had deleted thanks to Doc's trick!). There are probably several more reasons, but those are the main ones I can think of off the top of my head. Hang in there, you're not that far away!
Slayer--Great news!! Just what is it like to be looking on the 800 shelf? Whats up there? Can't see it from the 600 club but I'm starting to get a sense of what 700 looks like! Rina- Congrats! You'll look at the top shelf soon!
Thanks, all of you! I almost feel like I graduated college again! Seriously though, it feels unreal. It seems like just yesterday when I was below subprime hell and couldn't even get a secured card because of my bk. I'm living proof that patience and dedication will get you back on your feet once again. Never lose hope!
my tu score jumped from 693 in march to 755 to april and is now at 763 for this month. didn't do anything at all except pay off in full. (no new cards or inqs), tho from march to april a 30 day late fell off for some reason...
