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What is your post Chap 7 BK Fico?

New Visitor

Re: What is your post Chap 7 BK Fico?

CreditCrusader - I'm in a similiar timeline as you. Next month will be two years since BK7 discharged.  What are you using to get all three scores, EX included?  I pulled an EQ Fico 3/11 and it was 671.  This was exactly equal to a FACKO score I get with CreditOne credit card.  Usually the FICO score is lower by 40 points as it compares to the FACKO.  Now my FACKO, through the CC, shows 724 but of course who knows how it relates to my FICO's.  My streamline question is are you guys pays $40 for your EQ and TU then getting your EX directly from EX?  If so, it sounds expensive!  All commentators are welcome!

 

 

9/09 - Filed BK7 12-09 Discharged BK7

 

Prior Filing                     EQ  636                EX  640  TU  657 -(all FICO's)

Immed. After Disharge  EQ  500                EX  501  TU  ??

1year later (2/11)           EQ  671(FICO)     EX  ??   TU ???

Now (11/11)                   EQ 724 (FACKO)  EX??  TU??

Message 41 of 113
Valued Member

Re: What is your post Chap 7 BK Fico?

I'm 9.5 years post-BK. I think my Equifax is lower due to a high number of inquiries. (The creditors that I applied with seem to love Equifax.) Experian and Transunion both have 3 and 6 inquiries respectively.


Starting Score: 10-2011 TU-08 FICO 725 (Walmart) / EQ FICO 683 (MyFICO)
Current Score: 10-2015 TU 780 / EQ 802 / EX 784 [Mortgage app]
Message 42 of 113
Moderator

Re: What is your post Chap 7 BK Fico?

I filed BK Sept 08 and was discharged Jan 09

My scores as of Jan 11 are in my signature.

 

I'm not pulling my scores right now since I loaded up the cc's for my daughters wedding two weeks ago! Everything will be paid off within 60 days and then I'll be 3 yrs post BK and back to zero balance cards (except for the dreaded First Premier and Credit One...lol).  At that time I'll pull my scores. I seem to have a large swing in scores when the cards are high utilization.  I am expecting a bump when the BK ages to 3 yrs. I plan to close First Premier in 2012 now that I have other cc's.

Message 43 of 113
Established Contributor

Re: What is your post Chap 7 BK Fico?

I'll add to this...

 

~490 FICO when I filed AUG 29, 2010

 

-DISCHARGE on 12/6/2010

 

574 EQ FICO on 12/19/2010

 

Since...

 

656 EQ FICO (dropped 7 pts from a Discover card inquiry about 3 weeks ago, was 663)

TrueCredit FAKOs: TU-683, EQ-679, EX-696

 

My current cards (none are secured):

Orchard: $300

Capital One Cash Rewards: $1250 (was $750)

Discover More: $1000

 

I don't carry balances..., but my high reporting on Orch was ~$290 and on C1 is ~$650...  I use them @ <30% every month.

 

Discover was issued mid Nov when I reported 663 and zero balances on my other 2cc's...(note, Discover pulled and said 633, but they use one of the special FICOs)  no AF, but I didn't Q for thier $100 cash back sign up bonus. (Don't let anyone tell you you can't get Discover w/ BK... it's BS, I got instant approval online < 12mo since discharge).

 

Also, I took out a Nevada Federal CU (now One Nevada CU) credit-builder loan, which will be PIF 1/3/2012.

 

The most important thing I did was make sure that all of my accounts that were included in BK were actually reported as included in the BK... including the house, which I gave back in the BK, but I'm still living in b/c BofA is an idiot.

 

I have yet to write a single GW removal letter (that's 2012's task), and I am still fighting a few (citi) that say there is a balance, when clearly there isn't b/c "Included in BK", or are marked as Current Status: Derogatory (or late), when they currently aren't.

 

Like I said above, 2012 is mainly going to be a gardening year, but I expect >700 FICO sometime in June.

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 44 of 113
Established Member

Re: What is your post Chap 7 BK Fico?

not sure what my score was prior to filling but now at 542. I made several attempts to rebuild and get credit cards.

Approved on Orchard and Capital One both @ $300 credit limit. The store cards, I didn't get approve. I'm not sure why

maybe because it all belongs to the same GE Bank (target, macys, walmart, jcpenney). I don't wanna attempt to apply

for more as it may lower my score... :smileywink


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Message 45 of 113
Moderator Emeritus

Re: What is your post Chap 7 BK Fico?


aissa_sf wrote:

not sure what my score was prior to filling but now at 542. I made several attempts to rebuild and get credit cards.

Approved on Orchard and Capital One both @ $300 credit limit. The store cards, I didn't get approve. I'm not sure why

maybe because it all belongs to the same GE Bank (target, macys, walmart, jcpenney). I don't wanna attempt to apply

for more as it may lower my score... :smileywink


Target runs off their own bank/system. Macys is backed by DSNB (as is Bloomies). But GE backs most of the retail CCs, I think. Try a secured CC.

Message 46 of 113
Regular Contributor

Re: What is your post Chap 7 BK Fico?

We filed a CH13 in January 09, then converted that to a CH7 this past summer.  It was discharged 09/11.  It looks like the CRA are using the Jan 09 as our start date as it shows on all 3 that it will come off in January 2019 and our scores are not too bad.  Not sure what date CC Co's or a lender would consider.

 

DH Scores are:

TU 594   EX 660   (TU is so much lower because of 2 recent collections & 2 old judgements we are trying to get removed)

 

My Scores:

TU 620  EX 612

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Message 47 of 113
Established Contributor

Re: What is your post Chap 7 BK Fico?

670 EQ, 672 TU, almost 4 years post BK


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 48 of 113

Re: What is your post Chap 7 BK Fico?

Hi, I'm new here. I was just discharged in late December 2011, and applied for a few cards (I was approved for 3 out of 4). From the app process I found out that my Experian score is 601 and Equifax is 595.
Message 49 of 113
New Member

Re: What is your post Chap 7 BK Fico?

3 years post BK.  My score right after my BK as reported by Credit One Bank was 403.  I'd been using Credit Karma to track my score, but then I read about MyFICO.  I like to have the same credit figuring alogrythm as the banks use, you know?

 

I'm up to a Equifax 653 Transunion 664 and my experian account is always the lowest. It's at 585 right now.  But I think it's becasue that's the credit file with my BK on it.


Starting Score: 653
Current Score: 685!!!
Goal Score: 720


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Message 50 of 113