Just to keep tabs for those interested (and for future reference for those interested).
I pulled the MyFicos today. The only true inaccuracies left are one or two carrying my mortgage as a balance even though it's in the bk, and also BOFA showing an account or two as having a balance even though they were in BK.
Either way, FWIW, about 20 days post 341 objection date but not yet discharged:
TU: 517
EF: 523
EXP: 521
These are actually up slightly from the 490-505 marks I saw about 45 days ago when I did some disputing. In real terms, the bankruptcy cost me about 135 points from my scores this time last year which had no late payments for 7 years. The scores average about 650/660 because of balances etc. I'll take the trade of 135 points for the payments any day of the week
In real terms I would venture a guess that my scores just prior to filing were around 540 or 550 tops, so yes this did bring my FICO scores down, but to a point at which it was all irrelevant anyway.
Note these are myfico scores which are usually significantly lower than any other scoring system.
I pulled the MyFicos today. The only true inaccuracies left are one or two carrying my mortgage as a balance even though it's in the bk, and also BOFA showing an account or two as having a balance even though they were in BK.
Either way, FWIW, about 20 days post 341 objection date but not yet discharged:
TU: 517
EF: 523
EXP: 521
These are actually up slightly from the 490-505 marks I saw about 45 days ago when I did some disputing. In real terms, the bankruptcy cost me about 135 points from my scores this time last year which had no late payments for 7 years. The scores average about 650/660 because of balances etc. I'll take the trade of 135 points for the payments any day of the week
In real terms I would venture a guess that my scores just prior to filing were around 540 or 550 tops, so yes this did bring my FICO scores down, but to a point at which it was all irrelevant anyway.
Note these are myfico scores which are usually significantly lower than any other scoring system.