No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I noticed on our Credit Karma (I know they aren't that reliable..) that it had reported our Chapter 7 as of yesterday, and the scores went down some, but TU is 640 and Equifax is 574. Will the credit scores adjust again once it's dischared? I'm not that familiar with how the credit scoring changes once filed, to after discharge.
I was going to start credit monitoring next month since it'll give my bk a full month since filing, and my 341 is 8/12. Did you notice your scores going up or down or both with them being reported as 0/co/bk?
@Anonymous wrote:I was going to start credit monitoring next month since it'll give my bk a full month since filing, and my 341 is 8/12. Did you notice your scores going up or down or both with them being reported as 0/co/bk?
I would personally advise to wait until your 341, or even a month after that, to start monitoring. Why? Because it takes about that long for things to settle down after filing, but more importantly, you cannot USE the info until your discharge. Until then, relax...enjoy the breather from creditors that BK provides and use the time to learn and digest everything you are going to need to rebuild once you do hit the starting line, which is your discharge. I would pull reports (not scores, just reports) about a month after your 341 to ensure everything is reporting IIB/Current/$0 and start disputing if not to ensure you are ready to go at discharge, but that's it. If you build your file, your scores will follow - but concentrate on your file at first, it will save you headaches
Remember, rebuilding is a marathon, not a sprint
harleygirl1987 wrote:I noticed on our Credit Karma (I know they aren't that reliable..) that it had reported our Chapter 7 as of yesterday, and the scores went down some, but TU is 640 and Equifax is 574. Will the credit scores adjust again once it's dischared? I'm not that familiar with how the credit scoring changes once filed, to after discharge.
Did my scores change once I had my Discharge: NO
Not until I was approved for a CC, and it had finally reported to all 3 CRAs*.
This also happened to be *60 days post Discharge.
EQ +84, TU +66, EX +74