Post Chapter 7 Bankruptcy Fico Score 693

[Anonymous]

Discharged official- May29,2012

I have absolutely no debt as of right now. It was all discharged on the Chapter 7. How do creditors see me? Will they still turn me down because of the Bankruptcy or will the 683 Fico help me? 

Timeline-

02/2010 (Fico score was 592 at time of file)

*Chapter13 Filed

11/2011

*Chapter13 dismissed

02/2012

*Chapter 7 filed

05/29/2012

*Chapter 7 discharged

06/09/2012

* 683 Fico score

Any advice how I can get my credit score even higher? 

Thanks,

Ace

[pizzadude]

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@Anonymous wrote:

Discharged official- May29,2012

I have absolutely no debt as of right now. It was all discharged on the Chapter 7. How do creditors see me? Will they still turn me down because of the Bankruptcy or will the 683 Fico help me? 

Timeline-

02/2010 (Fico score was 592 at time of file)

*Chapter13 Filed

11/2011

*Chapter13 dismissed

02/2012

*Chapter 7 filed

05/29/2012

*Chapter 7 discharged

06/09/2012

* 683 Fico score

Any advice how I can get my credit score even higher? 

Thanks,

Ace

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Has the Chapter 7 BK shown up on your credit reports yet ?   In general having a recent BK will make it harder to obtain credit, even if your score isn't all that bad....

[Anonymous]

Yes, it's the reason I got it. It reflects the discharge. I didn't let my accounts go late and have missed payments. I filed for Chapter 13 when I was still current on my accounts. Durring the time of Chapter 13 being dismissed to filing chapter 7, it was only a two month difference. When creditors called me, I told them I was in process in converting to Chapter 7 and never heard from them again. I don't know in not letting the accounts go late for a long time help me?