Quick BK7 question regarding Credit Score

[PhillyGuy2012]

I filed in Nov 2012, discharged in Feb 2013, case still open due to assets.  My current scores, 686 - 716.  I have paid my car, house and one store card throughout the BK, I have NEVER been late, ever.  When the BK is finally closed, will my score up in either direction since it is finally closed?

Thanks

PG

[DaBears]

In general people on average had lost 150-200 points, not sure if it has happen to you yet. As far as your scores go. You are rebucketted with others in a BK 7 type of scenario. I myself have a bk 7 that will fall off next April or before then. I will be rebucketted to people who have never filed before so I know I will be losing points but will regain and be able to obtain higher scores as to I will not have any collections or C/O on my report.

[Countingpennies]

Does it make a difference in scores, if discharged and closed at the same time, and if just discharged not closed yet? I'm just wondering because my bankruptcy reported as filed, then updated to discharged, no mention of closed. So wondering if once it's closed it makes any difference in score as opposed to just discharged? Or, is it not reported as discharged until it is closed?

I guess I thought the discharge was the important thing, and closing was a trustee/court financial reconciliation.

[PhillyGuy2012]

I think it does make a difference. I reaffirmed my car, but on my credit report it still states part of bk. i called them and they stated after the case closes, they will report the account as a regular account like it wasnt included in the bk, but only after my case is closed.

[DaBears]

Discharged is the only part you need to worry about. closed bk is for internal recording keeping for the bk courthouse. nothing more.