@yoyo wrote:
Hello just refinanced my car...1 pull from experian added14 points! 3Weeks ago. Another pull from overstock 11/22 dont know why...called Overstock twice..they bcc dont know why theres a hard pull...since it didnt drop my score i didnt dispute it. Btran..hp on khols 9/15..for cli. Bk my court date was5/2014..discharged two months later..first credit card as cap1 9/2014..last card..first savings bank at 7 months old...hope this helps
Hi, and thanks for that info! I am digesting quite a bit to try to have abetter understanding of credit after bk. No need to apologize for typos either, it was a great post! I'm relying a little bit on my subconscious to hopefully tie a lot of this together, to aid my conscious understanding.
About the scores, getting that many points for a pull seems a bit, well, different. 
Sometimes I wonder if their are latent score changes that come from other factors(baddies aging, goodies aging) that dont get reported as "alerts" on myfico, and happen to report at the same time as an alert, like your pull? I know a score change itself can be an alert, but I'm curious if sometimes a score change coincides with something like an inquiry, and myfico reports it in a way that implies cause and effect? I'm putting that question out for the wise elders who likely know the anwer and can confirm or deny my suspicions.
If not, I'd also welcome someone to comment ona 14 point INCREASE on a pull. I find that rather interesting! Thanks for the post