https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261909#M56331 Don’t even worry about those credit karma scores. They use a vantage score that is rarely used by lenders. You need to look at your actual FICO scores.<BR /><BR />All of your previous history is what determines score. I’d assume you have differing profiles which will result in different scores. Sometimes a trustee will approve smaller secured cards, may be worth a shot. Good luck Sat, 02 Jun 2018 03:44:02 GMT Scupra 2018-06-02T03:44:02Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261289#M56311 <P>My spouse and I had to file CH 13 last year.&nbsp; We have been in repayment for 1 year now. I have noticed my credit score has been increasing however, my husband's credit score has barley changed.&nbsp; If we filed joint, obviosuly can't open any new lines of credit, any ideas on what could be impacting the different scores?&nbsp; I know it probably shouldn't matter becasue we can't do anything financially anyway but I'm just curious.&nbsp; We will have to move next year and the BK alone will be an issue but I figured a higher credit score might help with rental purposes until we can buy.&nbsp; Any thoughts?</P> Fri, 01 Jun 2018 15:20:05 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261289#M56311 Anonymous 2018-06-01T15:20:05Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261474#M56314 <P>Have you viewed your actual credit reports at annualcreditreport.com?&nbsp; There might be something reporting on his that is keeping the score down.&nbsp; Everyone's profile is different and will react differently to various events.</P><P>&nbsp;</P><P>&nbsp;</P> Fri, 01 Jun 2018 18:41:12 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261474#M56314 Anonymous 2018-06-01T18:41:12Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261482#M56316 <P>We have been viewing them in Credit Karma but I will check annualcreditreport.com .</P><P>Thank you!</P> Fri, 01 Jun 2018 18:46:39 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261482#M56316 Anonymous 2018-06-01T18:46:39Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261486#M56317 <P>You're welcome!&nbsp; Annualcreditreport will allow you to view your actual, in depth, credit report from each bureau. Consider updating this thread with what you find as it might help others with similar questions down the road.&nbsp; Good luck!</P> Fri, 01 Jun 2018 18:52:01 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261486#M56317 Anonymous 2018-06-01T18:52:01Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261520#M56320 <P>Will do!</P><P>&nbsp;</P> Fri, 01 Jun 2018 19:17:17 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261520#M56320 Anonymous 2018-06-01T19:17:17Z https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261909#M56331 Don’t even worry about those credit karma scores. They use a vantage score that is rarely used by lenders. You need to look at your actual FICO scores.<BR /><BR />All of your previous history is what determines score. I’d assume you have differing profiles which will result in different scores. Sometimes a trustee will approve smaller secured cards, may be worth a shot. Good luck Sat, 02 Jun 2018 03:44:02 GMT https://ficoforums.myfico.com/t5/Bankruptcy/BK-and-changes-in-credit-scores/m-p/5261909#M56331 Scupra 2018-06-02T03:44:02Z