credit score after discharge

[tiredofit]

I pulled my credit scores and got the following scores:


experian: 658
equifax: 649
transunion: 639
FICO: 584


are those ok right out of bankruptcy?

I have two empty credit cards that I am using for gas etc, and am paying them as I go.... Hopefully I will be able to keep them. I hear sometimes a credit card company will cancel as a precaution. My goal is to get back in the fico range of 620 or higher...... I have a pending foreclosure that should be reported as discahrged in chapter 7, will that make it worse or better do you think? Right now it is foreclosure initiated....

[FilingOnMyOwn]

Your scores are good. Just be sure to get all your reports fixed properly, and it may take some time & effort.

[razorguns]

why is fico so low? isn't fico just the avg of all 3 scores? where u getting that fico score from?

r

[FilingOnMyOwn]

why is fico so low? isn't fico just the avg of all 3 scores? where u getting that fico score from?

r

There are 3 separate fico scores, one for each credit bureau. The original poster didn't specify which bureau the score was from or whether its a 3 bureau average.