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New Member
Posts: 4
Registered: ‎06-16-2011
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Re: What is your post Chap 7 BK Fico?

It has been 1 year and 2 months since discharge of my BK and below are my numbers.

 

 

 


Starting Score: EX 585 EQ 632 TR 584
Current Score: EX 700 EQ 689 TU 700
Goal Score: EX 720 EQ 720 TR 720


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Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
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Re: What is your post Chap 7 BK Fico?

Filed:  1/2011

Discharged:  4/2011

Starting Score:  530

Current Score-6 months post: TU626 EQ 642 EXP: 649 


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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Established Member
Posts: 38
Registered: ‎06-06-2011
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Re: What is your post Chap 7 BK Fico?

I was discharged 12 months ago this month (filed 6-2010).

 

My current scores are:

 

EQ 634

 

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):

 

EQ 470

 

TU (98) 450

 

EQ  (unknown)

 

 

Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
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Re: What is your post Chap 7 BK Fico?

Update****

 

I filed Chptr 7 on 1/2011

Discharged 4/2011

 

Since Discharge:

 

Hooters:  300

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!


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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Established Member
Posts: 39
Registered: ‎03-29-2010
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Re: What is your post Chap 7 BK Fico?

Post Chapter 7

Filed 07/5/05

 

FICO: 631


Starting Score: TU 479, EX 494, EQ 491 in December 2009
Current Score 03/2012: TU 659, EX 634, EQ 634
Goal Score: 660 on all 3 CBs


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Established Contributor
Posts: 799
Registered: ‎09-27-2011
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Re: What is your post Chap 7 BK Fico?

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!

 

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
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Contributor
Posts: 92
Registered: ‎06-02-2008
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Re: What is your post Chap 7 BK Fico?

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.

Member
Posts: 13
Registered: ‎08-26-2011
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Re: What is your post Chap 7 BK Fico?

Filed 5/29/11

 

Discharged 8/31/11

Score 533 TU

 

Current Score 630

 

have 1 new card $400 limit with $0 balance

student loans carried through bankruptcy and on time

 

 

 

 


Starting Score: 533 (BK Ch7 discharge 8/2011
Current Score: 640
Goal Score: 680


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Valued Member
Posts: 36
Registered: ‎07-29-2010
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Re: What is your post Chap 7 BK Fico?

8 years from filing Ch 7 and my scores are:

- EQ 710

- TU 726

- EX 721 (lender pulled)

 

Established Contributor
Posts: 799
Registered: ‎09-27-2011
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Re: What is your post Chap 7 BK Fico?

Updated scores in sig line...will be 2 years out of BK7 next month

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
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