topic Re: What is your post Chap 7 BK Fico? in Bankruptcy

What is your post Chap 7 BK Fico?

Anonymous — Mon, 28 Feb 2011 00:50:02 GMT

With all the talk of rebucketing and such and so folks know where they stand with their peers I figured we could start a thread. If you would like post your Fico and how old your Chap 7 BK is, maybe we can get a rough idea of the max possible score with a BK on your report.

Re: What is your post Chap 7 BK Fico?

Anonymous — Mon, 28 Feb 2011 00:51:04 GMT

BK 9 yrs 2 mos old

TU 708

EQ 702

Re: What is your post Chap 7 BK Fico?

Anonymous — Mon, 28 Feb 2011 02:11:50 GMT

great idea werty!

If it's helpful, it's been posted here and shows up as you use the FICO simulator and the FICO estimator that FICO's can reach up to 760 with a BK reporting.

Not too shabby.

Re: What is your post Chap 7 BK Fico?

Anonymous — Mon, 28 Feb 2011 05:39:20 GMT

2 years post ch 7

ex 699

ex 682

tu 708

Re: What is your post Chap 7 BK Fico?

Anonymous — Fri, 25 Mar 2011 16:57:24 GMT

Seems my theory died but maybe I can build interest with my update?

TU 732

EQ 702

9 years 3 months ago

Re: What is your post Chap 7 BK Fico?

Anonymous — Sat, 26 Mar 2011 07:53:27 GMT

1.5 months after ch 7 discharge

621 EQ

615 TU

Re: What is your post Chap 7 BK Fico?

visorboy1974 — Tue, 29 Mar 2011 18:36:08 GMT

5 yrs post discharge:

TU 707

EQ 706

Re: What is your post Chap 7 BK Fico?

gogocred — Tue, 29 Mar 2011 18:39:43 GMT

congrats on your rebuilding!! @atlantawill you bumped your score up ~200 points in 2 months?? wow, congrats!

Re: What is your post Chap 7 BK Fico?

Anonymous — Wed, 30 Mar 2011 00:38:59 GMT

Thanks. The rebuilding is like a second job lol. What's helped the most is a LOT of GWs, accounts that just happened to fall off after bk, and the accounts that were already in good standing.

Re: What is your post Chap 7 BK Fico?

asigalus — Wed, 25 May 2011 20:51:01 GMT

Hello, I filed for Chapter 7 in November of 2010 - my FICO score was 580 as of 10/12/2010

On 01/04/2011 - FICE 614

After Discharge on 02/01/2011 - it went up to 626

05/12/2011 - 624

By my Experian Score is only 525

I am new to myFico so just trying to figure out how to deal with my messy situation.

Re: What is your post Chap 7 BK Fico?

Anonymous — Wed, 25 May 2011 21:11:24 GMT

I'm about 9 months post BK. Current score in my signature. My EQ was 587 according to Cap1 but I went on a mini app spree so it tanked a bit. I also didn't find this board until a few weeks ago, so I'd been running my cards close to the limit. I've paid them down to under 50% already. Heading towards under 10% by July.

BK Discharged 8/2010

Current LOC's

Auto Loan $11k Opening Dec 2010

First Premier $750CL opened Jan 2011

Firestone/CFNA $900CL opened Apr 2011

Capital One Cash Rewards $500CL Opened May 2011

Re: What is your post Chap 7 BK Fico?

Anonymous — Sun, 12 Jun 2011 01:34:39 GMT

BK discharged 5/12/2011

As of today:

TU-493

EQ-558

EX-626 FAKO Plus Score

Just recently got started on rebuilding.....DH scores are listed below.

TU-593

EQ-596-dropped from 611 today bc of disputes relating to bk accounts not listed as bk

EX-597 FAKO Plus Score

Re: What is your post Chap 7 BK Fico?

Anonymous — Sun, 12 Jun 2011 15:49:23 GMT

Hi,

Had to file for bk chp 7 in January 2011. Just got it discharged in May 2011. It was the hardest thing I had to do so far. Had perfect credit. Sad to see it in the 500's. As of June 12, 2011 Equifax is at a 611. I hope one day to be back in the 700's +.

Re: What is your post Chap 7 BK Fico?

Karunch — Mon, 13 Jun 2011 00:16:15 GMT

I am nearly 3 years out from my CH7 discharge date, and my current FICO score is 677.

Chapter 7 BK Filed - 04/2008.

Chapter 7 BK Discharged - 08/2008.

Re: What is your post Chap 7 BK Fico?

Anonymous — Mon, 13 Jun 2011 19:44:51 GMT

Karunch

Could I ask what you have done to improve your score and what credit cards you have?

Thank you.

@Karunch wrote:
I am nearly 3 years out from my CH7 discharge date, and my current FICO score is 677.

Chapter 7 BK Filed - 04/2008.
Chapter 7 BK Discharged - 08/2008.

Re: What is your post Chap 7 BK Fico?

Karunch — Thu, 16 Jun 2011 01:45:58 GMT

After filing my score dropped down to a low of 531, and then it's slowly been working it's way back up since. Since then I've made sure to never miss a payment, and I always pay more then the minimum. And the past few months I've made sure that my cards are PIF every month.

During my CH7, I re-affirmed my auto loan with Citizens Auto Finance, and paid that on-time every month until my loan was paid off in August 2009.

Since CH7 BK, I've gotten the following cards:

08/2008 - Capital One unsecured cc - $750 limit (currently $2,000 limit)

09/2008 - Target store card - $200 limit (still only $200 limit)

09/2008 - HSBC unsecured cc - $320 limit (closed back in Jan 2010 - interest & fee too high)

12/2008 - Hooters Card/Merrick bank - $500 limit (currently $1,400 limit)

02/2009 - another Capital One unsecured cc - $500 limit (currently $1,500 limit)

04/2011 - Kohls/Cap1 card - $300 limit

I recently also got a new car loan ($21k) at 4.9% through Subaru Finance/Chase.

Re: What is your post Chap 7 BK Fico?

Anonymous — Fri, 17 Jun 2011 18:19:04 GMT

Ch7 filed 10/2001

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years... this last year it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months.

Re: What is your post Chap 7 BK Fico?

Anonymous — Fri, 17 Jun 2011 20:10:37 GMT

@Anonymous wrote:
Ch7 filed 10/2001

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years... this last year it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months.

We'll be excited to hear from you when it ages off!

Congrats on your great work rebuilding - 702 FICO in pretty darn nice!

Re: What is your post Chap 7 BK Fico?

Xarquinn — Fri, 17 Jun 2011 20:18:57 GMT

My BK7 was discharged in 4/2010 - score dropped to the low 500's. Currently at 660. Since discharge:

4/2010 - Credit One 200CL (now 300)

5/2010 - Hooters 300 (still 300)

6/2010 - First Premier 700 (still 700)

9/2010 - First Premier 600 (dumb move, replied to a pop-up when i signed into my existing acct - 39% apr, $175 annual fee)

11/2010 - Kay Jeweler 2000

12/2010 - Target 500cl (increased to 700)

Rejected by: JCP (GEMB), Cap One (IIB), Kohls (Case IIB), PayPay Buyers Credit, Barclay's, HomeDepot

Re: What is your post Chap 7 BK Fico?

Anonymous — Fri, 17 Jun 2011 21:39:11 GMT

@Anonymous wrote:
Ch7 filed 10/2001

For me it was an immediate drop to 580, recovered over the next several years to around 680 where it held for 3-4 years... this last year it has been stuck at around 702 +/- 5 points.... We will see where this puts me after it falls off in a few months.

Interesting, is that your EQ that stays around 702? I filed roughly the same time and my EQ will not move above 704. Wonder if we are just similar profiles or what.