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Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011

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..

Valued Member
juggler314
Posts: 27
Registered: ‎05-13-2008

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..


 

Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011

Re: What is your post Chap 7 BK Fico?

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

New Member
KT22
Posts: 2
Registered: ‎12-20-2012

Re: What is your post Chap 7 BK Fico?

How are folks getting their Experian score? All I can find out there are FAKOS!
Valued Contributor
Scupra
Posts: 1,153
Registered: ‎07-12-2012

Re: What is your post Chap 7 BK Fico?

[ Edited ]

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
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Member
shawn
Posts: 6
Registered: ‎04-28-2007

Re: What is your post Chap 7 BK Fico?

6 Years/6 months
EQ 741
TU 739
Current Cards/Limits post Chapter 7 Bankruptcy in 2006

AMEX Blue cash preferred-10K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal CU-15K, VT Federal CU-15K, Wells Fargo Jewelry Advantage-9K, Military Star card-8.5K, Macy's-2K.
Member
shawn
Posts: 6
Registered: ‎04-28-2007

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 post Chapter 7 Bankruptcy in 2006

AMEX Blue cash preferred-10K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal CU-15K, VT Federal CU-15K, Wells Fargo Jewelry Advantage-9K, Military Star card-8.5K, Macy's-2K.
Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012

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

Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011

Re: What is your post Chap 7 BK Fico?

I append with ussa at 9 years into BK and they denied me for BK...
Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012

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


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