How long to rebuild after the big jumps?

[jason0618]

I'm just wondering here. My scores are all in the low 600s following ch7 discharge in July. Right at the filing date I was in the high 400's to low 500s, and at discharge, it jumped and has jumped more when I added an installment loan (car loan) as well as when I got a few credit cards. Now that seems to have died down, so I'm wondering what I should expect for increases in the score. I'm not applying for anything for a while and I expect I should be at or around 700 within two years, hopefully sooner.

[Anonymous]

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@jason0618 wrote:
I'm just wondering here. My scores are all in the low 600s following ch7 discharge in July. Right at the filing date I was in the high 400's to low 500s, and at discharge, it jumped and has jumped more when I added an installment loan (car loan) as well as when I got a few credit cards. Now that seems to have died down, so I'm wondering what I should expect for increases in the score. I'm not applying for anything for a while and I expect I should be at or around 700 within two years, hopefully sooner.

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Most of the time, with the recommended credit mix, it takes about 18-24 months to break 700.

[Anonymous]

I'm 11 months in and pretty dang close to breaking 700.

[Anonymous]

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@Anonymous wrote:

I'm 11 months in and pretty dang close to breaking 700.

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Severed - how much credit depth do you have?

[raisemysc0re]

I started in the mid to high 500's after chap13 discharge about 5 1/2 months ago.

Now I have 707, 699, 664 fico scores.

It didn't take me as long as I first thought (although I owe much of that to the wealth of info on these forums).

I was lucky enough because I had a pretty good credit history before filing, which also helped a little.

Though I am wondering when I will see a slowdown in the score increase and just what is the highest score I should realistically set as a goal...

I am not even dreaming about the 800 club until the BK falls off completely but would love to see 740's across the board within the next 6 months.?.?.?

Anybody think that this is not possible?

[Anonymous]

It has to be possible. I just took a look at my Fico score that Discover gives you for free and I had a 30+ point jump and i am at 675. Im so excited i love you guys and anything is possible. Lets encourage each other and make it to 700+. I need to update my sig.

[jason0618]

In the two months since posting, I've got from everything in low 600s to eq-632, tu-627 and ex-645.
Almost five months post discharge.

[Creditwiser]

Right around 18 months for me.  This forum and it's members, NFCU and some discipline and patience went a long way in helping get where I am in a relatively short time.

[Anonymous]

thanks