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What is your post Chap 7 BK Fico?

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Anonymous
Not applicable

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

 

Message 11 of 113
aj_kentucky
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

Message 12 of 113
Anonymous
Not applicable

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 +.

 

 

Message 13 of 113
Karunch
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. 

Message 14 of 113
Anonymous
Not applicable

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. 




Message 15 of 113
Karunch
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. 

Message 16 of 113
Anonymous
Not applicable

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. 

Message 17 of 113
Anonymous
Not applicable

Re: What is your post Chap 7 BK Fico?


@Anonymous 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!

Message 18 of 113
Xarquinn
New Contributor

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: Low 500's (BK Ch7 Discharged 3/2010) Back in with almost all of the creditors that I burned.
Current Scores: 760 - 800 (BK dropped off Nov 2019)
Alliant CU Visa 10k; Merrick Bank 0.4k (keeping for age); Lowes 25k; Target MC 13k; Capital One 8k; PayPal 10k; Total Rewards (Comenity) 25k; Amex BCP 38k; Discover 28k; PenFed 15k, Chase Amazon 20k; FNBO 28k; Citibank 30k; BlockFi 15k; X1 33k. Local Credit Union HELCO: 97k. Utilization around 30% incl HELCO
Message 19 of 113
Anonymous
Not applicable

Re: What is your post Chap 7 BK Fico?


@Anonymous 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.

 

Message 20 of 113
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