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OMIAHEART
Posts: 60
Registered: ‎08-30-2007

Fico score went from 460 to 575???

I field BK7 last month and most of my creditors are updating the CR reports with "IIB".  My mortgage company did that yesterday and it shot my score up over 100 pts??? Will my score go back down post discharge?

Filed BK7 – 2/13 (discharged 5/13) (starting score 586)
myFICO EQ 1/2014: 617
myFICO TU 1/2014: 619
myFICO EX 1/2014: 635
Credit 1 - $500 / Cap 1 Sec. $300 / Cap 1 Quicksilver $1,500
Barclays Apple Card / $1700 / American Gen Loan $5,000
Established Member
Abanomi24
Posts: 11
Registered: ‎01-07-2013

Re: Fico score went from 460 to 575???

I was in the same boat you are about a month ago.  My score went from 521 to 664 after all of my accounts started showing up IIB.  My question is, once the bankruptcy is discharged am I going to get hammered by it or should I stay about the same.  Perhaps someone could help us out?

Established Member
hunni1121
Posts: 30
Registered: ‎11-12-2011

Re: Fico score went from 460 to 575???

Sadly, Mine went up like 90 pts than back down some. Scores in SIG. My discharge was 1 days ago and it when back to low 500's across the board. Mind you I have student loans deferredso that could be the reason. no other debt. recently approved for Navy Fed Secured $1k CL. Denied 3 times but auto dealer that normal lend to BK consumers. Ohh... I have too many INQ now. I am remaining optmistic. I won't do any pulls for at least the next few months. I am still waiitng for my car to be surrender in which I will have to replace. Good Luck... It cannot get nothing but better from here. It takes time and patience.


Current Scores: 564 EQ MyFico SW Alert 05/02/13; 640 TU Lender Pull 04/25/13; 581 EX VantageScore Experian.com 03/15/13
Starting Scores: 443 EQ MyFico; 513 TU MyFico; 473 EX Lender Pull Date: 05/20/2012
Goal Score: 720+ Across the board By 07/2014 and Purchase House Dec 2014


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IN MY WALLET: Fingerhut $250; Capital One Unsecured Cash $500 ; Credit One Unsecured $300 Annual fee $85; Navy Federal Secured nRewards $1000 (1); Navy Federal Secured nRewards $1000 (2); Santander Auto Loan $18,000

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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