It has been 1 year and 2 months since discharge of my BK and below are my numbers.
Starting Score: 530
Current Score-6 months post: TU626 EQ 642 EXP: 649
I was discharged 12 months ago this month (filed 6-2010).
My current scores are:
TU (98) 646 (In May my TU 04 was 11 points lower than my TU 98 score by the way)
EX 650 (lender pull in May-not sure what this is now)
My scores started out prior to filing (June 2010):
TU (98) 450
I filed Chptr 7 on 1/2011
Orchard: 320-now 420
Cap One Journey-1000
My scores were 530 when filed, jumped to around 615 and are now 648, 649, and 633. Went on apping spree so will def drop some. Still low but I am slowly working my way out of the trentches. NO MORE CARDS...Im so in garden mode!
Post Chapter 7
Filed Jan 2010...scores below are current...with util paid down to 0-9% (now 35%, with about $1,700 total in debt to pay off), MyFICO simulator says EQ could be 698-738, so on go the freezes and off to the garden I go!
My BK7 was in July 2007, discharged in November 2007
At that time scores were all around 600.
Bought my house last year in September, those scores were in the 680 range
Now scores have not done much since, they are all still 680-695.
I hope next year I am able to break the 700 club, but I am not sure as I only have my mortgage and 1 credit union CC for 1k and a JC Penney charge for 1k also. They never carry a balance and are used very sparingly.
Score 533 TU
Current Score 630
have 1 new card $400 limit with $0 balance
student loans carried through bankruptcy and on time
Updated scores in sig line...will be 2 years out of BK7 next month