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I have these cards:
Cap one platinum
Cap one qs1
Credit 1
Barclay
Discover
Target
Kohls
1000.00 sec loan
25000 auto loan that is 4 months old
I pay everything on time. My bankruptcy will be discharged 1 year in Jan 2016.
Utilization always stays around 5% for 1 card and zero for others.
I have only been gaining maybe 3 points a month.
Curious to see what everyone else gains monthly following the plan?
about 3
Everyone's CR profile are different but in my case...all are true FICO 8 scores...
September 28th:
EQ 618
TU 598
EX 592
Yesterday, October 28th:
EQ 739 (actually it jumped 115 points 2 weeks ago then -115 to 624 last night which was expected feeling it may be an error in the first place LOL)
TU 599 (up 1 point, whoppdeeooo)
EX 613 (up 21 points)
My BK7 was discaharged June 2015 little over 4 months now. The only TL I have post BK are 2 new cards opened in August 2015: Merrick Visa $600, last month Barclay MC $1,500 and an Parental Student Loan (PLUS loan) that was included in BK but still paying since it is non-dischargable.
Like others have said, about 3 (for me on TransUnion and Experian), Equifax seems to be a little different for some reason, I've seen an 8 point score jump in one month, while the others are 2 to 3 points.
Mind you, my ch 7 BK was just discharged in June of this year (2015).