Posts: 17,419
Registered: ‎07-14-2009
Re: What is your post Chap 7 BK Fico?

mf91745 wrote:

Hi All-


This isn't a direct response to the original question but I thought it'd be useful to you all.


The website gives you your credit score (TransUnion) for free, and lets you simulate changes to your credit score using hypothetical scenarios, including a foreclosure (but not bankruptcy).


I have no relation whatsoever to, except being a normal user.


My TU credit score per creditkarma is 754, and when I simulated a 90 days late on all accounts plus a foreclosure, my simulated score dropped to 668, which was not as bad as I thought it would be.



Hi mf091745 and welcome to the forums.


Just in case you're not aware of it neither of the 2 scores offered at CK (TransRisk and VantageScore) are FICO scores and although a few lenders do use VS to make credit decisions the TransRisk score is not used by lenders as far as I know.


To elaborate further about scores no one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. You can get both a TU (Transunion) and EQ (Equifax) here at myFICO. 

At one time you could also purchase your Transunion score at but that site seems to have stopped doing that. Wal Mart now offers a TU score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score but you have to look very hard to find it. You can get to it here:




From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".