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Filed BK13 on Feb 2, 2019. Equifax 591 Transunion 632 Experian 641. My equifax was 578 like 2 days ago but I updated my equifax report today and it went up. Not really sure what happened.
March 2011 and just passed the 8 year discharge mark. Slowly creeping up. 2 new personal cards the past 5-6 months along with BoA rejection.
EX-661
TU-673
EQ-705
My scores were in the low 400's for years prior to filing Chapter 7. I was keeping 1/2 of my credit cards current and let 1/2 go to collections. When I started to get sued, I filed. Filed in April of this year, scores were 430's. Still not discharged yet, but my transunion is now at 678! I keep thinking it's a mistake. I guess time will tell.
BK CH13- Just waiting to be discharged. Scores 678- 702.
Im going on 11 months post discharge
@Anonymous wrote:My scores were in the low 400's for years prior to filing Chapter 7. I was keeping 1/2 of my credit cards current and let 1/2 go to collections. When I started to get sued, I filed. Filed in April of this year, scores were 430's. Still not discharged yet, but my transunion is now at 678! I keep thinking it's a mistake. I guess time will tell.
Yes its true. Some people get a score increase because your no longer in debt. I cringe when I see people go app crazy after filing. It may help with getting unsecured cards like Cap1 and Disco in time and you wont have to go the vulture secured route.
I'm waiting for discharge in June and am not sure how this all works but my scores are currently 738 742 and 735 with all accounts showing IIB. I had nothing in collections or no late payments pre-chapter 7 but I suspect the scores will tank when I get my discharge.