Not like I'm out trying to finance a car or home but I was wondering what my credit looked like now that I have filed CH7 and had my 341 last week. I got my "free" credit score and report last night. Looking through my report all the debt (credit cards and cars) are at $0 balance and a note saying that the account is discharged or in Ch7. My home loan through Chase says that it is current the balance and term is shown (I called them today and they told me that they will report as current after discharge and that I did not reaffirm). The public notice states that I have filed CH7 and the date I filed. My credit score (PLUS Score from Experian) prior to being late on credit cards (never was late before) was 705 the score is now 680. Should I expect my score to take a further dive once I am discharged?
-
$160k Unsecured; Way Over Median
Filed CH 7: 7/28/10; 341 Meeting: 9/7/10 (Was A Breeze)
Dishcarged: 11/9/10; Case Closed: 12/2/10 -
Ours was about the same. We dropped a little after our discharge, but my husband is at 690 right now and I am 662. We weren't too much higher before we filed because we had so much outstanding credit.
Good luck to you on an easy 60 days!Filed Chapter 7: 7/3/09
341 Hearing: 8/6/09 - Went Smoothly!
Discharged: 11/30/2009
Closed: 12/16/2009 -
Plus score vs FICO
Hi 'not so' Confusedin,OC
Be a little wary of Experians "Plus Score" It is a new product they are trying to sell instead of the usual FICO score. Get your FICO and see how the two stack up against each other.
Congrats on your 341 !
Tom in ColoCh7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010Comment
Comment