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What's your Before and After Bankruptcy Score?

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kobe2012
Established Contributor

Re: What's your Before and After Bankruptcy Score?

Before filing, my scores were ~660's on all three. Then scores didn't change much when I filed and after discharge. Scores were in the siggy. Had a nice bump after I got approved for credit one few days after discharged. It reported last month so scores got ~+20 points boost on each. Have lots of inquiries on each especially EX. Went to a car dealership after discharged and they pulled credit at least 10 times. Oh well. I should be in the 600's after 6 months post BK. I can't seem to get another card though. No one else would approve me, even capital one 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 11 of 12
6speed8
Regular Contributor

Re: What's your Before and After Bankruptcy Score?

1 - Chapter 7

 

2 - Don't recall how many accounts but roughly $35,000 in total

 

3 - Don't know what AAOA is lol.

 

4 - Started 2015 with scores around 500. Filed in February. NOTE: I also had a $50,000 IRS lien in the county court. Long story on it's own but simply put, they were treating me like the CRIMINAL rather than the VICTIM of Tax Refund Fraud. The lien was removed and my numbers went up 40-50 points even before  my 341 meeting. Four days after discharge in June, my numbers went UP 30-40 points to around 600.

 

5 - Credit lines total $6300 on my 4 cards.Currently ranging from 610-650 because my utlization is high at the moment. In the last couple of months: we moved, car needed tires, alignment, brakes, I'm in the midst of a root canal which is $1200 out of pocket. So "by the ratings rules" lol, my $4000 balances make my utilization very high - they'll be cut in half over the next few months so I'll deal with "low" scores for now - but that $4000 is my only debt. Over paying minimum payments and saving a car down payment at the same time.

CH 7 Discharged 6/10/15
T/U - 643
EQ - 588
Ex - 647 as of 6/14/15
Message 12 of 12
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