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My scores are bouncing all over

Valued Member

My scores are bouncing all over

I know that in the midst of the BK process the FICO point movements are irrelevant, but it's still very interesting to me just how much swing in scores there are. At the start of the BK the bad accounts started updating and my score rose. Then my positive accounts (ie current student loans) uodated - wow that tanked my score. I know I should ignore than and wait it out, but I find it fascinating how each account change affects the scores. I am really, really looking forward to these scores moving upward!

 

 

 

Screen Shot 2017-04-17 at 8.24.57 AM.pngScreen Shot 2017-04-17 at 8.25.20 AM.pngScreen Shot 2017-04-17 at 8.24.30 AM.png

Rebuilding from BK 7
EQ-554 TU-567 EX-542 ~ Day of Filing (2/2017)
EQ-559 TU-496 EX-510 ~ Day of Discharge (6/2017)
EQ-668 TU-670 EX-658 ~ Current (8/17)
Live, learn, and overcome
Message 1 of 4
3 REPLIES
Established Contributor

Re: My scores are bouncing all over

im in that same position the largest drop was just recently.... Score went up as account balances 0'd out but then my car loan report as IIB and 0'd out and dropped 33 points i was like NOOOOOOO i was in the high 500s now im in the low 500s lolz...
CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $1k - CreditOne $500 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 2 of 4
Valued Member

Re: My scores are bouncing all over

I tell ya - the 98 point drop on TU really stung! I know the student loans will eventually return, so the scores should come back up post-discharge, but still it hurts. The only good things about keeping the student loans is that they are positive tradelines.

Rebuilding from BK 7
EQ-554 TU-567 EX-542 ~ Day of Filing (2/2017)
EQ-559 TU-496 EX-510 ~ Day of Discharge (6/2017)
EQ-668 TU-670 EX-658 ~ Current (8/17)
Live, learn, and overcome
Message 3 of 4
Valued Member

Re: My scores are bouncing all over

My score has gone up 123 points since filing. Hopefully it keeps going up

BK7 Filed 03/30/17
341 Meeting 05/03/17
Finally DISCHARGED!! 10/30/17

Cap One Plat CL $3000
Message 4 of 4