Why did score drop again?

[Anonymous]

My score initially dropped when the chap 7 showed up on my reports.  

I disputed everything as IIB on all three bureaus.  Today I get an alert that Experian has updated everything to 0 balance and chap 7 but it also pulled my score down 29 more points.  Is that how this works?   I thought once everything was at a 0 balance scores rebound a little.

[ezdriver]

Yes, that's how it works. Forget about scores and focus on building a robust credit profile that will in turn produce good scores.

[Anonymous]

My score also dropped when everything was reporting a zero balance, as the process went on I slowly regained those points back. I am set for discharge tomorrow and my scores are higher than when I filed. All of my collection accounts ended up being deleted. Be patient clean up your reports and everything will follow. This website had been a savor.

[Anonymous]

Thanks  I am working on cleaning everything up.  Experian was the first to change all to 0 balance.  Equifax actually deleted some accounts but still waiting on Transunion to acknowledge my disputes.

[ezdriver]

Post discharge, try to get to three to six active tradelines as soon as you can ... then garden and watch your credit profile get stronger every month.

[TRC_WA]

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@ezdriver wrote:

Post discharge, try to get to three to six active tradelines as soon as you can ... then garden and watch your credit profile get stronger every month.

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Yes.  Get some active TL's and garden... garden is the keyword here folks...

I always get a giggle reading about people that are worried about scores when they are 2 days out of discharge.

Rebuilding credit doesn't work that way.  It's a marathon... not a race.