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Scores right after discharge

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cartwrna
Valued Contributor

Scores right after discharge

As the title says, what kind of FICO scores was everyone seeing right after discharge?

Discharged 10/30/18.

My Equifax FICO is a 573 with mortgage still showing 60 days past due and derogatory, should change to IIB and zero out, CU also said they would remove all payment history so should see good bump. My EXP FICO is 550 also mortgage showing late etc etc. Dont have TU FICO currently.

Wife’s Equifax FICO is 621. Her report is all lined out and reporting correctly. EXP is 586, no TU FICO.

Those are only FICO scores I currently see.

My report shows one open Capital One CC I got prior to discharge. Only account still showing open besides the incorrect mortgage.

Wife’s report shows 4 positive retail cards that survived the bankruptcy and have been open for 3-5 years, as well as she is an AU on my Cap 1 card.
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Mega Contributor

Re: Scores right after discharge

Still too soon to tell. Its only been 5 days. Give it a couple months. Those store cards may be closed due to the BK. Its all speculation for now.



BK Free Aug25
Message 2 of 3
Anonymous
Not applicable

Re: Scores right after discharge

Mine was abysmal- 570 afterward. But it is climbing steadily as I rebuild my credit- everything takes time- although my new pickup will be about two years off from purchasing. Bummer.

Message 3 of 3
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