Credit Cards Center Credit cards from our partners
Established Contributor
Posts: 986
Registered: ‎03-27-2013

Credit file after BK7

hi guys,


Question bout credit file after post BK7.


Once my bk gets dscharged, which it did on 6/12, Now.....


does that mean that i now have no credit history now that i am starting fresh and back to square one?


and or is my credit profile becomes so called "thin file"?


Lil confused with all the credit profile stuff as far as whats thin and or thick and all that stuff....



 photo Amazon_zpshbpnkrhl.jpg photo Walmart_zpsgimsoyq2.jpg photo Overstock_zpsgpnaoqvs.jpg photo Redcard_zpsentcxaby.jpg photo Venture_zpstvyf4qu3.jpg photo Venture One_zps9manzepj.jpg photo QS visa_zpsau4ia3ki.jpg photo Sony Visa_zpsthu2rwiz.jpg photo USC Reward_zpsiwba9sil.jpg photo Penfed Promise_zps12fgg4xc.png photo NasaFcu_zpsyfxstgee.jpg photo IT_zpsr1qenfac.jpg photo America_zpsqeiinaml.jpg photo Barclay_zpsw15wy69u.jpg photo BBVA_zpse5zcoyfg.jpg
7 d/c 6/2012  Burned AE  Chase  Citi  TCL 62K  666F
Established Contributor
Posts: 565
Registered: ‎02-14-2013

Re: Credit file after BK7

Have you checked your credit reports since your discharge? If not, get all 3 from or the individual CRAs if you've had your free reports within the last year. You want the full reports, not a 3rd party or 3 in 1, there's more info in the full reports.

Most likely, you have a thin report if you don't have many open accounts, but you really need to check them and make sure everything is reporting correctly.
Senior Contributor
Posts: 7,671
Registered: ‎01-05-2013

Re: Credit file after BK7

AFAIK, your old accounts should appear as  included in bankruptcy (IIB).  And you should check your reports to verify that all accts IIB are reporting that way, and not as open collection accts.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.