I've done countless hours of research on credit "behavior" since the moment I decided to file for Chapter 7 and it really is unpredictable. To summarize my research, I've found that all users I've read posts and forums from claimed that their FICO scores took drastic hits anywhere between 100-200 points - roughly. I am also aware this depends on where your score stood at the moment of filing, and for the most part, I can only assume that would be above the mid-600 mark, on average.
At time of filing, my FICO8 was at a 545. Some context on outstanding balances/accounts:
1. NFCU Cash Rewards - $14,980.00/$15,000.00 limit
2. Capital One Quicksilver - $735.00/$750.00 limit
3. Capital One Quicksilver (2) - $503.00/$500 limit
4. Citi Diamond Preferred - $7,100/$7,000 limit
5. Citi Rewards+ - $2,002/$2,000 limit
6. Citi/Best Buy - $1,900/$1,800 limit
7. Goldman Sachs / Apple Card - $5,000/$4,500 limit
8. AmEx Gold Card - $1700 / Charge Card
9. AmEx Delta Skymiles - $6,193/$7,000 limit
Most, if not all these accounts, where charged off/closed mid 2020, after COVID began to affect our household income. I was forced to enter an alternative to begin paying these accounts back (ugh, 'Debt Relief Program') 0/10, do not recommend. My score took a hit during that year from a 710 down to a 415. Fast-forward to December 2021, I was able to get it up to 545 with secured cards, Extra (good way to rebuild, if careful with cash spending), cred.ai, and other subscriptions. (I began to rebuild this year in June, by the way)
Right after filing for Chapter 7, the same FICO score that was at 545 increased to 666 in a matter of 3-4 days. Sure, it may fluctuate in the next few months, but I have to say I was very surprised that happened. Anyone have similar experiences or heard of an almost immediate FICO score increase upon filing? Worth mentioning I burned all but one of the creditors above (after 18 months and $9,290, my debt relief program was finally able to settle a $1,800 account 
) so there was no need to include them.
PD: I filed for Chapter 7 on Dec 8 this year.
That close to filing. Not really. Usually happens near or when the DC hits. Hey take it. Best of luck to financial freedom.
I will most definitely take it! I'm tempted to say these subscriptions and credit builder accounts closing, like Self and CreditStrong had something to do, but in order to confirm, I would have to do it all over again. NO THANKS!
