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What is your post Chap 7 BK Fico?

Regular Contributor

Re: What is your post Chap 7 BK Fico?

9 yrs 10 mths.

EQ 716

EX 730

TU 719

 

I am wondering what kinda bounce I will get once it falls off in two months..

Message 81 of 113
Valued Member

Re: What is your post Chap 7 BK Fico?

@Settemio - I'm curious - have your scores been in that range for years now. Mine are around there, and have been since about 2-3 years out, now I'm at 7 and still basically no change...with an otherwise perfect credit report.


Settemio wrote:

9 yrs 10 mths.

EQ 716

EX 730

TU 719

 

I am wondering what kinda bounce I will get once it falls off in two months..


 

Message 82 of 113
Regular Contributor

Re: What is your post Chap 7 BK Fico?

The only change I have had was bringing down my utilization....

Message 83 of 113
New Member

Re: What is your post Chap 7 BK Fico?

How are folks getting their Experian score? All I can find out there are FAKOS!
Message 84 of 113
Highlighted
Community Leader
Senior Contributor

Re: What is your post Chap 7 BK Fico?


KT22 wrote:
How are folks getting their Experian score? All I can find out there are FAKOS!

I think there is only one CU that offers it now, please correct me if I am wrong. Other than that you have lender pulls, approved/denial letters, and FAKOS. You arent the only one! haha

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 85 of 113
Member

Re: What is your post Chap 7 BK Fico?

6 Years/6 months
EQ 741
TU 739
Current Cards/Limits-AMEX Blue cash preferred-30K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal Credit Union-15K, Vermont Federal Credit Union-15K, Military Star card-8.5K, Macy's-2K. Current FICO'S- Experian-821, Transunion-824, Equifax-831
Message 86 of 113
Member

Re: What is your post Chap 7 BK Fico?

Current Credit Card Limits 6 years post chapter 7 Bankruptcy(all started after bankruptcy)

NFCU Platinum- 39,000
USAA AMEX- 16,000
New England FED CU- 15,000
VT FED CU- 15,000
Current Cards/Limits-AMEX Blue cash preferred-30K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal Credit Union-15K, Vermont Federal Credit Union-15K, Military Star card-8.5K, Macy's-2K. Current FICO'S- Experian-821, Transunion-824, Equifax-831
Message 87 of 113
Established Member

Re: What is your post Chap 7 BK Fico?

Good work Shawn, how long ago for the USAA card?  I heard the policy is 7 years post-bk no exceptions.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Message 88 of 113
Regular Contributor

Re: What is your post Chap 7 BK Fico?

I append with ussa at 9 years into BK and they denied me for BK...
Message 89 of 113
Established Member

Re: What is your post Chap 7 BK Fico?

Really, hmm.  I guess it depends on if you are a full member or not or the banking relationship with deposits.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Message 90 of 113