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What is your post Chap 7 BK Fico?

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shols44
Frequent Contributor

Re: What is your post Chap 7 BK Fico?

4/12...lo siento.


Starting Score: 501
Current Score: 754 EQ,TU 745,EX 750
Goal Score: 800

Message 101 of 113
Credit_Me
New Contributor

Re: What is your post Chap 7 BK Fico?

FYI

 

Experian FICOs are now available here @ Myfico.com


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Message 102 of 113
Scupra
Super Contributor

Re: What is your post Chap 7 BK Fico?

8 months post discharge and EQ is 649 with TU at 642

 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 103 of 113
grassfeeder
Frequent Contributor

Re: What is your post Chap 7 BK Fico?


@Scupra wrote:

8 months post discharge and EQ is 649 with TU at 642

 


Scupra -we're pretty much on the same schedule.  You're so lucky you could get into NFCU....

 

Scores in my signature.....

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 104 of 113
Scupra
Super Contributor

Re: What is your post Chap 7 BK Fico?


@grassfeeder wrote:

@Scupra wrote:

8 months post discharge and EQ is 649 with TU at 642

 


Scupra -we're pretty much on the same schedule.  You're so lucky you could get into NFCU....

 

Scores in my signature.....


Funny you posted this. I noticed the same thing earlier in another thread! I am beyond grateful for NFCU!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 105 of 113
grassfeeder
Frequent Contributor

Re: What is your post Chap 7 BK Fico?


@Scupra wrote:

@grassfeeder wrote:

@Scupra wrote:

8 months post discharge and EQ is 649 with TU at 642

 


Scupra -we're pretty much on the same schedule.  You're so lucky you could get into NFCU....

 

Scores in my signature.....


Funny you posted this. I noticed the same thing earlier in another thread! I am beyond grateful for NFCU!


I actually just signed up for NFCU, both of my granparents were in the service, although both have passed away I tried anyhow.  I called to apply and explained the situation and they approved me.  I'll see if they kick me out in a while.  I've heard that's happened to some, we shall see - it was worth the effort I think.

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 106 of 113
Scupra
Super Contributor

Re: What is your post Chap 7 BK Fico?


@grassfeeder wrote:

@Scupra wrote:

@grassfeeder wrote:

@Scupra wrote:

8 months post discharge and EQ is 649 with TU at 642

 


Scupra -we're pretty much on the same schedule.  You're so lucky you could get into NFCU....

 

Scores in my signature.....


Funny you posted this. I noticed the same thing earlier in another thread! I am beyond grateful for NFCU!


I actually just signed up for NFCU, both of my granparents were in the service, although both have passed away I tried anyhow.  I called to apply and explained the situation and they approved me.  I'll see if they kick me out in a while.  I've heard that's happened to some, we shall see - it was worth the effort I think.


Cant hurt!! Good luck Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 107 of 113
alex22
Established Member

Re: What is your post Chap 7 BK Fico?

Bankruptcy was the scariest thing in the world I ever had to face, but I have come to find out that it's not the end all!  My situation really began to turn around when I started disputing the negative items on my credit report.  This helped raise my score somewhat and even though it didn't happen overnight, it did still help.  The biggest thing that I've learned through this ordeal was to live within my means!  Thanks.

Message 108 of 113
gogotexan
Regular Contributor

Re: What is your post Chap 7 BK Fico?

Discharged Oct 2010, not sure of current scores, but most recent are in signature


Starting Scores 11/12/2012 EX - 590, EQ - 584, TU - 601
FICO Scores as of 02/06/2014 EX - 687, EQ - 659, TU - 697
BK 7 Discharged Oct 2010, In my wallet: NFCU VisaSiggy $26K; NFCU GoRewards $10K; NFCU Navcheck $15K; Star Furniture $5K, Conns Credit $7K, GE (Ashley Furniture) $1K, GE (Rooms to Go) $3K, Barclay Arrival MC $3K; PWFCU Visa $2.5K; Cap1 Quicksilver1 $2K; Chase Freedome $500; Cap1 Secured $500
Message 109 of 113
shawn
Member

Re: What is your post Chap 7 BK Fico?

Chap 7 Bankruptcy/ 7 years 3 months old.
*Over the last 4 years I have managed to raise my NFCU Platinum card to a 39K limit, as well as just got approved for an AMEX Blue cash preferred card with a 10K limit.

The last time I checked these were my fico's

Transunion- 748
Equifax- 751
Experian- 790
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 110 of 113
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