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I suggest that many attorney handling bankruptcy cases know very little about the INs and OUTs of rebuilding credit. I did not follow my attorney's recommendations. I crafted my own rebuilding plan and proof that mine was successful is that I bought and closed on a new house 15 months post discharge ... and my scores were mid 600s 90-days post discharge. I agree that each person's results are dependent on where their scores were discharge and what was done to improve their profile immediately after discharge.