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What is your post Chap 7 BK Fico?

Frequent Contributor

Re: What is your post Chap 7 BK Fico?

I'm about 9 months post BK. Current score in my signature. My EQ was 587 according to Cap1 but I went on a mini app spree so it tanked a bit. I also didn't find this board until a few weeks ago, so I'd been running my cards close to the limit. I've paid them down to under 50% already. Heading towards under 10% by July.

 

BK Discharged 8/2010

 

Current LOC's

Auto Loan $11k Opening Dec 2010

First Premier $750CL opened Jan 2011

Firestone/CFNA $900CL opened Apr 2011

Capital One Cash Rewards $500CL Opened May 2011

 


Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


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New Member

Re: What is your post Chap 7 BK Fico?

BK discharged 5/12/2011

 

As of today:

TU-493

EQ-558

EX-626 FAKO Plus Score

 

Just recently got started on rebuilding.....DH scores are listed below.

 

TU-593

EQ-596-dropped from 611 today bc of disputes relating to bk accounts not listed as bk

EX-597 FAKO Plus Score

Established Member

Re: What is your post Chap 7 BK Fico?

Hi,

  Had to file for bk chp 7 in January 2011. Just got it discharged in May 2011. It was the hardest thing I had to do so far. Had perfect credit. Sad to see it in the 500's. As of June 12, 2011 Equifax is at a 611. I hope one day to be back in the 700's +.

 

 



"Chapter 7 Bankruptcy (05/17/2011)"
Starting Score: EQ 557, TU 544, EX 562
Current Score: EQ 621, TU 601, EX 599 (06/13/2011)
Goal Score: 700
Capital One - No Hassle Cash Rewards CC
Orchard Bank credit card (high interest rate) Not using

Contributor

Re: What is your post Chap 7 BK Fico?

I am nearly 3 years out from my CH7 discharge date, and my current FICO score is 677. 

 

Chapter 7 BK Filed - 04/2008. 

Chapter 7 BK Discharged - 08/2008. 

Established Member

Re: What is your post Chap 7 BK Fico?

Karunch

  Could I ask what you have done to improve your score and what credit cards you have?

 

Thank you.

 


Karunch wrote:

I am nearly 3 years out from my CH7 discharge date, and my current FICO score is 677. 

 

Chapter 7 BK Filed - 04/2008. 

Chapter 7 BK Discharged - 08/2008. 






"Chapter 7 Bankruptcy (05/17/2011)"
Starting Score: EQ 557, TU 544, EX 562
Current Score: EQ 621, TU 601, EX 599 (06/13/2011)
Goal Score: 700
Capital One - No Hassle Cash Rewards CC
Orchard Bank credit card (high interest rate) Not using

Contributor

Re: What is your post Chap 7 BK Fico?

After filing my score dropped down to a low of 531, and then it's slowly been working it's way back up since.  Since then I've made sure to never miss a payment, and I always pay more then the minimum.  And the past few months I've made sure that my cards are PIF every month.

 

During my CH7, I re-affirmed my auto loan with Citizens Auto Finance, and paid that on-time every month until my loan was paid off in August 2009.

 

Since CH7 BK, I've gotten the following cards:

08/2008 - Capital One unsecured cc - $750 limit (currently $2,000 limit)

09/2008 - Target store card - $200 limit (still only $200 limit)

09/2008 - HSBC unsecured cc - $320 limit (closed back in Jan 2010 - interest & fee too high)

12/2008 - Hooters Card/Merrick bank - $500 limit (currently $1,400 limit)

02/2009 - another Capital One unsecured cc - $500 limit (currently $1,500 limit)

04/2011 - Kohls/Cap1 card - $300 limit

 

I recently also got a new car loan ($21k) at 4.9% through Subaru Finance/Chase. 

New Contributor

Re: What is your post Chap 7 BK Fico?

Ch7 filed 10/2001

 

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years...  this last year  it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months. 

Moderator Emeritus

Re: What is your post Chap 7 BK Fico?


JustinIND wrote:

Ch7 filed 10/2001

 

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years...  this last year  it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months. 


We'll be excited to hear from you when it ages off!

Congrats on your great work rebuilding - 702 FICO in pretty darn nice!

Just puttin' syrup on something, don't make it pancakes.
Highlighted
Established Member

Re: What is your post Chap 7 BK Fico?

My BK7 was discharged in 4/2010 - score dropped to the low 500's.  Currently at 660.  Since discharge:

 

4/2010 - Credit One 200CL (now 300)

5/2010 - Hooters 300 (still 300)

6/2010 - First Premier 700 (still 700)

9/2010 - First Premier 600 (dumb move, replied to a pop-up when i signed into my existing acct - 39% apr, $175 annual fee)

11/2010 - Kay Jeweler 2000

12/2010 - Target 500cl (increased to 700)

 

Rejected by: JCP (GEMB), Cap One (IIB), Kohls (Case IIB), PayPay Buyers Credit, Barclay's, HomeDepot

Starting Score: TU 544; EQ 533 (BK Ch7 Discharged 3/2010)
Current Score: TU 715; EQ 718; EX 687
Alliant CU Visa 4,000; Barclay Bank 8000; Credit One 2450; Kay 7,400; Merrick Bank 300; Lowes 15,000; Target 4000; CFNA 2,200; Capital One 8,300; PayPal BML 5,500; Total Rewards (Comenity) 9,000; Amex BCE 14,500; Cabela 8,500; Discover 13,500; PenFed 6,500 UTIL=~25% + 3 personal loans and 1 auto.
New Contributor

Re: What is your post Chap 7 BK Fico?


JustinIND wrote:

Ch7 filed 10/2001

 

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years...  this last year  it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months. 


Interesting, is that your EQ that stays around 702? I filed roughly the same time and my EQ will not move above 704. Wonder if we are just similar profiles or what.