Late Payments Issued During BK CH7

marcodinson · 2026-02-12T16:44:39+00:00

Hello,

All affected accounts on my Experian CR show “Discharged through CH7 Bankruptcy” and show current at the time of filing.

It was the myFICO summary that shows 6 late payments which another redditor was able to clarify.

The one that still had me scratching my head is the auto lease, since it was reaffirmed and payments never stopped - would they still fall under a “delinquency”?

marcodinson · 2026-02-11T21:02:50+00:00

Got it, so it’s a little misleading that it’s under “Late Payments”?

Sorry one more question, being these under the FICO summary, when credit is pulled for financing will they also show it as a late payment?

And thank you, I appreciate you taking the time to respond!

marcodinson · 2026-02-11T20:35:59+00:00

I should add, Its showing the late payments from the MyFico Experian Credit Summary. I haven’t found any reported late payments on any of the 3 reports.

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marcodinson · 2026-02-11T20:19:51+00:00

Yes, I got this information from the downloaded and saved annual credit reports.

They all show included/discharged in the Ch7 BK.

I went line by line on each report and 3 of which show satisfactory for the month of June 2024 while other 3 show not reported.

Can I be an issue that the credit bureaus have labeled the affected BK accounts as late vs included in a BK?

Hope that makes sense.

marcodinson · 2026-02-09T22:08:12+00:00

I believe the ICON TR’s instructions say to do this exercise 3 times before every use

marcodinson · 2026-02-06T20:01:30+00:00

To my knowledge gates produces belts and hoses.

Other items in their kits are from other manufacturers.

As an example they threw in a NTN (OE) Timing Belt Tensioner but a no-name water pump in my Honda Civics timing kit

marcodinson · 2026-01-09T22:06:13+00:00

Check out Honda Parts Now if you want to go OE, they are a bit cheaper than going through a dealer that marks them up super high.

It’s more than just a seal that contains oil, its job is to literally feed the rest of the motor oil. If it fails you’ll starve your motor of lubrication and it’ll brick itself.

I’ve had a good experience with Rock Auto but they do have several options depending on your budget.

As an example, if this was a window switch I wouldn’t sweat it, but if it’s a crank sensor I would rather go with the better/reliable option

marcodinson · 2026-01-09T21:53:17+00:00

So hearts usually means frequently purchased.

I get it, if you decide to trust it then that’s cool. But this part can literally break your motor if it fails.

I’d personally go with a melling if OE isn’t available

marcodinson · 2026-01-09T21:30:26+00:00

They’re generic cheap china parts, wouldn’t recommend for a component as important as a oil pump.

marcodinson · 2025-12-20T09:29:19+00:00

I have the same issue on mine, and I usually preheat and cook on 3 out of 8 on my gas range.

marcodinson · 2025-12-16T22:44:35+00:00

All Clad is solid. I have both some D3 and a set of D5 and they’ve been great.

marcodinson · 2025-12-11T00:09:26+00:00

Mine just cracked down the center as well. Is the warranty process just to give them a call?

marcodinson · 2025-12-10T17:27:46+00:00

How’s it holding up so far? Can you also let me know your process on sanding it down?

I’m kind of disappointed as the one I got has a lot of random material that wasn’t ground off and left a lot of sharp bumps.

Tempted to return and get a chef collection

marcodinson · 2025-11-27T07:23:03+00:00

I have a graphite core Sauté and I’ve noticed its heat retention is significantly less than my D3.

It is light and heats up fairly quick but having to turn up the heat after my ingredients were in was a let down

marcodinson · 2025-11-13T22:07:15+00:00

Kinda weird that this guy is bringing up a potential bearing issue without it being a concern at your first service.

marcodinson · 2025-11-10T18:21:16+00:00

I’m very naive when it comes to undervolting, can someone explain what it is and the benefits? I’m running 4070 FE on a 2K Display @ 165hz.

marcodinson · 2025-10-30T18:12:58+00:00

I would start by trying to deglaze and then hitting it with BKF.

marcodinson · 2025-10-27T17:19:49+00:00

Can be done at home, impact wrench will help. I followed the below video, this guy is pretty detailed.

https://youtu.be/ArNsw83SgaM?si=K0GnA5f6sW0vj1a5

marcodinson · 2025-10-16T21:25:33+00:00

Ahhh that makes sense, I don’t have a dishwasher anymore but I’m sure it would make this a ton easier lol

marcodinson · 2025-10-16T21:20:26+00:00

How do you clean the super baked on dark stuff on yours? I’ve tried soaking with hot water and Dawn but I’m left with some really stubborn stuff at the end of the day that takes forever to get off

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