Is is possible to get a 720 score across the board while in an ACTIVE Chapter 13 BK?

Hi Everyone!I am a huge lurker and have learned so much from just reading the threads here over the last year and a half since I filed Chapter 13. I have worked diligently to clean up my reports and I really would like to get to 720 or higher at the 2-year mark of my BK (August 2015). Currently, my scores are:-Equifax FICO 8- 682Experian FICO 8- 652Transunion FICO 8- 650 I have a small real estate loan (land) that has an excellent payment history. I also have a secured credit card with a $1000 limit that I pay off in full every month and a Best Buy Store card with a balance of $2200 that I will pay off by the end of the month. Finally, I am a cosigner on a car loan that also has an excellent payment history (I needed the history and my Trustee would probably not be happy that I got a car loan without his permission but my job requires a car). I have resisted the urge to apply for any credit in the last 1 1/2 years in the hopes that by August 2015 all the inquiries would fall off my historyWhere do I go from here to hit the 720 mark? Am I wasting my time trrying to figure out what to do differently or do I just have to bide my time until my discharge in August 2017?Any and all help would be appreciated. Thanks.

Libertad2020 wrote:
Hi Everyone!I am a huge lurker and have learned so much from just reading the threads here over the last year and a half since I filed Chapter 13. I have worked diligently to clean up my reports and I really would like to get to 720 or higher at the 2-year mark of my BK (August 2015). Currently, my scores are:-Equifax FICO 8- 682Experian FICO 8- 652Transunion FICO 8- 650 I have a small real estate loan (land) that has an excellent payment history. I also have a secured credit card with a $1000 limit that I pay off in full every month and a Best Buy Store card with a balance of $2200 that I will pay off by the end of the month. Finally, I am a cosigner on a car loan that also has an excellent payment history (I needed the history and my Trustee would probably not be happy that I got a car loan without his permission but my job requires a car). I have resisted the urge to apply for any credit in the last 1 1/2 years in the hopes that by August 2015 all the inquiries would fall off my historyWhere do I go from here to hit the 720 mark? Am I wasting my time trrying to figure out what to do differently or do I just have to bide my time until my discharge in August 2017?Any and all help would be appreciated. Thanks.You wait till you complete your plan and the Ch 13 falls off your reports at the 7 year mark. Every profile is different but I'll tell you that I am 26 months post discharge with the Ch 13 public record and dozen IIB accounts still reporting.  They are set to fall off in April... sooner with early exclusion. Peak scores: EQ 700 January 2015  current 678TU 675 January 2015   current 673EX 687 July 2015          current 687 My scores have went up and down a bit with the new car I bought in January and new CC accounts opened in March. I don't believe it's possible to hit 720 with a public record AND multiple accounts reporting IIB. Scupra is 720s with a Ch 7 reporting... but all his IIB accounts have fallen off leaving just the public record reporting. The IIB accounts weigh down your score and IMHO you are forever stuck in the upper 600's till everything falls off.  I could gain a few points if I had a bit lower UTI but most definitely not enough to put me in the 720+ range. If you are hoping for 720s I will say you are wasting your time.  I've had just about as perfect a rebuild as you can get which was just enough to have me barely sniffing 700 on EQ back in January... 18+ months after discharge.  Not even close to 700 yet with TU and EX.  The few accounts that you have aren't going to get you anywhere near 720 and you aren't supposed to apply for new credit without trustee permission... but you knew that.   

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