With 3 major credit reporting agencies, which one is best to use to monitor? Should I use all 3?
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370K Secured Debt / 53K Unsecured Debt
Ch 7 Filed 08/31/09
341 on 10/07/09
Last day to object 12/07/09 - Discharged 12/28/09
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Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth." -
I like that one too. I have to try to call up and get$9.95 because I just got an email the price was going up.Filed 10/8/09
341 11/2/09
Last Day For Objections 1/4/10
Discharged 1/5/10Comment
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Can you get your score as well??Making financial failure my teacher, not my undertaker!
Ch7 Filed 9/23/09
341 11/05/09
01/07/2010 Discharge!!Comment
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You get a score from each bureau. Not sure how each score compares to the almighty FICO score.Originally posted by Bren View PostStopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."Comment
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The scores given are consumer scores. There are different scores for mortgage, auto, loans, ins, and consumers.
I have found the consumer scores are about 20 point higher than mortgage and 10 point higher than auto scores.Filed 10/8/09
341 11/2/09
Last Day For Objections 1/4/10
Discharged 1/5/10Comment
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Check to make sure you are actually getting FICO scores. Most of the companies that offer free scores are providing some other score (like a VantageScore product). Experian no longer provides FICO scores to consumers as of Feb 2009 (they have a dispute with FICO). What good does it do to buy a score that is not used anywhere? Be careful.Filed CH 7 9/30/2008
Discharged Jan 5, 2009! Closed Jan 18, 2009
I am not an attorney. None of my advice is legal advice in any way..Comment
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I like the fact that I can get unlimited reports from each bureau. Trying to stay on top of things as my BK moves forward. Don't really care about the credit score right now.Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."Comment
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I've been monitoring mine with True Credit and I think it's pretty good. You can get an update of TU every day and all 3 with credit scores every 30 days. It's about $15/monthStopped paying CCs 1/1/2009
Filed 10/2/2009 341 11/8/2009
Discharged! 1/13/2009 I can hardly believe it....Comment
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