Re: What is your post Chap 7 BK Fico?
04-30-2012 01:08 PM
My bankrutpcy will be three years post discharge in about ten day. My chapter 7 was discharged May 7th, 2009.
Current scores are 650 Equifax and 655 Transunion, but, my utility wasn't ideal yet.
Unfortunately I couldn't tell you what my starting point was. I didn't check my credit score at all before filling or after filing until February of this year. That would be my starting scores in my signature.
It looks like the top out is somewhere around 700 with a bankrutpcy still reporting, so, we'll see. Score simulator says I can get it up to as high as 734 if I I have better utilization, but that sounds high to me. I'll probably pull my credit score again in 6 months or so and update.
Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) USAA Fako 598 Vantage 639 (03-15-2012) Transrisk 616 (03-15-2012) Ch.7 discharged 5/2009
Current Score: 663 EQ (06-10-12) 655 TU (04-28-2012 myfico) Vantage 730 (05-15-2012) Transrisk 674 (05-15-2012)
Goal Score: 680 No more app'ing until May 12th 2013!
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