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New Member
Posts: 2
Registered: ‎04-15-2013

Excited about 109 point jump!

I filed for Ch 7 bankruptcy in Dec. 2012.  At around that time my fico score was 438.  I was discharged on April 11.  I just checked my score and it is now 547.  So excited.  I opened up two secured personal loans with state department federal credit union and am in the process of opening two secured cards with navy federal.  Then I will pay and watch my score continue to rise.  All debt has been properly reflected as included in bankruptcy.  Very excited.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Excited about 109 point jump!

You're on your way!

New Member
Posts: 2
Registered: ‎04-15-2013

Re: Excited about 109 point jump!

It's been such a long, hard road.  Can't wait to hit 600.  Oh happy day.

Posts: 77
Registered: ‎04-15-2013

Re: Excited about 109 point jump!

Grats man, been in your shoes.  (I once was at 415 a long time ago!)  Time heals all wounds. Keep grinding!

10/01/2012 STARTING FICO SCORES: EQ 585 TU 598 EX 539
09/12/2013 CURRENT FICO SCORES w/ 9 REVOLVING TLs = $4,550 + INSTALLMENT TL: $23,300
EQ 598= AAoA=10m, UTIL=43%, 12m INQ=22, COLL=0, PUB REC=0, MISS PAY=0
TU 644 =
AAoA=1yr 8m, UTIL=46%, 12m INQ=19, COLL=0, PUB REC=0, MISS PAY=0
EX 614 = AAoA=3 yrs 11m, UTIL=63%, 12m INQ=17, COLL=0, PUB REC=0, MISS PAY=0
04/01/2014 GOAL FICO SCORES: 720s = AAoA=+7m, UTIL ≤ 9%, 12m INQ ≤ 6, COLL=0, PUB REC=0, MISS PAY=0
Regular Contributor
Posts: 183
Registered: ‎10-13-2008

Re: Excited about 109 point jump!

So after your discharge you saw a jump?  I just filed last week and am so anxious to get this over with and move forward.  You give me hope!

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Senior Contributor
Posts: 7,495
Registered: ‎01-05-2013

Re: Excited about 109 point jump!

Congrats on the big jump!  It takes time, but you can and will recover.  Keep up the good work!

Frequent Contributor
Posts: 392
Registered: ‎03-29-2011

Re: Excited about 109 point jump!

Congrats...onward and upward as they say ;-)

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700

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