Discharged ion 7/29/24., Looking forward to hearing the stories. I am afraid I burned all the good cards (Amex, Chase, Citi, Barclays...etc.). Cap one immediately forgave, maybe because I continually had a checking and savings with them even though I burned them (1.6K, very low about to my 336K that was discharged.). Also, I was extremely lucky getting 2015 taxes fully written off about 3 weeks after the July date: 40-->84K-->zero! Miracles happen!
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Welcome to BKForum.Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
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Originally posted by justbroke View PostWelcome to BKForum.
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Originally posted by rodsren View Post
Thank you. It's going to be a lot longer haul than I expected. I was looking at Credit Karma and Experience MyFICO but they are Vantage 3.0 scores, and I thought 2 of my 3 scores were in the low 700's. Indeed, the FICO 8 scores on the Experian 3 score monthly reports are FICO 8 scores and all around 620. Dang!Chapter 13 (not 100%):- Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank cum Bank of Southern California
- Filed: 26-Feb-2015
- MoC: 01-Mar-2015
- 1st Payment (posted): 23-Mar-2015
- 60th Payment (posted): 07-Feb-2020
- Discharged: 04-Mar-2020
- Closed: 23-Jun-2020
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Originally posted by shipo View Post
Trust me, you aren't the only one who got hoodwinked by Vantage; I did too. Back then my FICO 8 scores were between 600 and 615 and my Vantage scores were 695-720. My scores have since recovered and would you believe it, my FICO 8 scores are 20 points higher than my Vantage scores; go figure.
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