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Bk Discharged

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Established Contributor

Bk Discharged

Well, I received notice yesterday that our Chapter 7 BK was discharged.  We filed on 06--06-19, had our MOC on 07-15-19 and received Discharge on 09-16-19.  I was shocked when I logged into my Experian Report and my FICO score went up 16 points and it reported that it is discharged on my report already.  I am happy overall where my scores stand the day after BK. I know I know I have a lot of work to do but today is the day that we work towards a better financial future.

Chapter 7 BK Discharge 09-16-19
624 - 06-26-20 Equifax FICO Score 4
681 - 07-01-20 Experian FICO Score 8
609 - 06-01-20 Experian FICO Bankcard Score 9
654 - 07-03-20 Transunion VantageScore 3.0
Loans: 1 Student Loan Deferred, 2 Auto Loans, 1 Secured Loan
Credit Cards: 7 Visa/Mastercard; 1 Store Card $15/$2,850
Inquires: 14 Equifax, 28 Experian, 19 Transunion
Average Account Ages: 1Y9M Equifax, 4Y03M Experian, 2Y3M Transunion
Gardening till 01-2021
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3 REPLIES 3
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Moderator Emeritus
Message 2 of 4
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Established Member

Re: Bk Discharged

Congratulations to you! Good luck on your rebuild and future.

Filed Ch. 13: 5/2018 | Converted to Ch. 7: 8/2019 | Discharged: 12/2019
Dec 2019: 564 EQ | 525 TU | 587 EX
Apr 2020: 674 EQ | 645 TU | 663 EX
Capital One Secured: $1.3k Limit | Ollo Card: $2k Limit
Message 3 of 4
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Valued Member

Re: Bk Discharged

Congrats! We're only a few days behind you. Our 341 was 7-22, and our 60 is up on Saturday.
Message 4 of 4
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