Filed Chapter 13 1/7/2010, 3 yr plan. waiting for the official discharge which should happen any day now. I went to Experian and ordered 3 full reports including credit scores. Found one mistake which i disputed with all 3. Credit scores, Equifax: 631, Transunion: 654 and Experian: 667. Question: I went to myfico to check my score and they had transunion at 593. Why the disparity?
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The disparity could be whether it was a FICO score and which version of FICO was being used. Once you receive your actual discharge and it is posted to the 3 credit bureaus, your "FICO" score should go up a little more unless you have misused credit during your Chapter 13.
MyFico uses the latest FICO model. I noticed that my FICO is different from Equifax and MyFICO. The one on MyFICO seems more accurate as it matched the score provided by my lenders. But, alas, different lenders may pay for different models.Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
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Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
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