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Discharged 6/10 and my TransUnion went up twice ?!?!?

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6speed8
Regular Contributor

Discharged 6/10 and my TransUnion went up twice ?!?!?

Got the Credit Karma email yesterday that my report changed. TransUnion/Equifax were 571/589. Changed to 614/589. Got another email this morning. Just checked again. 646/589. Signed up for Experian and my fico. 647. After looking around on the reports, accounts,etc, I get to the public recored tab. Although I haven't received any papers yet, all three show Chapter 7 Discharged 6/10/2015. Finally !!!! Is this just a fluke that TransUnion went from 571 to 646 in the following 72 hours and the big drop should be happening shortly ?  Relieved either way. Onward and upward to a second chance... Smiley Happy

CH 7 Discharged 6/10/15
T/U - 643
EQ - 588
Ex - 647 as of 6/14/15
Message 1 of 5
4 REPLIES 4
Shawndoe79
Established Contributor

Re: Discharged 6/10 and my TransUnion went up twice ?!?!?

Congrats.  I would say that this could be correct.  Since your bankruptcy was discharged, most or all of your debts were forgiven (unless you reaffirmed some) and thus your DTI decreased and credit card utilization dropped which caused your score to rise.  Happened to me as well.  Good luck on your rebuild journey.

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 2 of 5
Scupra
Super Contributor

Re: Discharged 6/10 and my TransUnion went up twice ?!?!?

Not to be the guy who delivers bad news.. Credit karma scores are useless unless you happen to find a lender that pulls Vantage scores. CK is good to monitor things but just ignore the scores. You can get your FICO scores here from myFICO
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 5
6speed8
Regular Contributor

Re: Discharged 6/10 and my TransUnion went up twice ?!?!?

Oh I know lol. Just use it as a reference.

CH 7 Discharged 6/10/15
T/U - 643
EQ - 588
Ex - 647 as of 6/14/15
Message 4 of 5
6speed8
Regular Contributor

Re: Discharged 6/10 and my TransUnion went up twice ?!?!?

I got the letter yesterday confirming discharge. Am I getting any other papers or is the copy of what was filed the only other thing for my records ?

CH 7 Discharged 6/10/15
T/U - 643
EQ - 588
Ex - 647 as of 6/14/15
Message 5 of 5
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