11 months post bk my scores are: ex:650-fako, eq:672-real and trans:717-real. not bad 12 months ago it was ex:498, eq:511 and trans:508. i got three credit cards: orchard bank was 500 now 700, cap one was 300 now 500 and hooter was 300 till at 300 and two bank loans one is paid off the last one two more payments. got an letter in the mail today to applied for an juniper mastercard i did, and i got approved for 1600 dollars cl. this board made it all possible,thanks for all the wonderful posts.