Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

What was your credit score pre-filing?

Collapse
This is a sticky topic.
X
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #61
    My FICO was 524 a month before filing - which included months and months of being late on everything and a house about to foreclose on.

    I'll have to update you post-discharge, but at this point, I don't care what my FICO is. I don't need credit anymore and therefore don't have a need for a FICO.
    Filed Chapter 7 on 2/22/11, 341 meeting held 3/30/11, relief of stay on foreclosure 4/12/11, relief of stay on auto 5/17/11, Discharge on 6/6/11!

    Comment


    • #62
      Originally posted by Amy26 View Post
      If you get savings/checking accounts with a credit union called PSECU (Pennsylvania State Employees Credit Union), they provide as a service the Experian FICO monthly for free..
      Yes, that's an option. I don't even want to know how many people joined that CU just to get this particular score. Although I'm a "credit-fanatic", joining a CU just for that purpose goes too far for me..
      Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
      FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
      FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

      Comment


      • #63
        I just saw this thread...ok guys - my credit .... sucked anyway, but...spouse just filed Ch 13, and we just had a repo posted (OH and by the way!!! We were in a debt management plan - dear TARGET not only charged off my card BUT did it AFTER accepting six months of payments from the credit counselors AND taking payments from my checking account AND sending me a notice that they accepted plan - oh well). Anyway...

        Checked credit - whoooaaah! "F" on Transunion - score is the minimum 501. According to it, there are ZERO% of people worse then me!!! YEAH!!!!! :-)

        Comment


        • #64
          Originally posted by IamOld View Post
          According to it, there are ZERO% of people worse then me!!! YEAH!!!!! :-)
          Congrats! That makes you "special"..
          Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
          FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
          FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

          Comment


          • #65
            Originally posted by IBroke View Post
            Congrats! That makes you "special"..
            Yep!!! I'm now the worst of the worst of the worst!!!! Much LOL'ing here!

            Comment


            • #66
              Just got our discharge papers in May 2011, Yippie!

              There is a free website for fico (aka fako) score (it's q simulated score based on transunion's own calculations), but it's close.

              go to www.creditkarma.com - it's really close to the real score. read about how they calculate the score and how it is based against the standard fico.

              I'm using it as my baseline.

              My score is 689 !!!

              Comment


              • #67
                My Credit Karma score was an abysmal 458 before filing. It is now a 640. Not great but back from the dead anyway.

                Comment


                • #68
                  Pre-filing scores TU-530 EQ-558 EX-564

                  I filed ch7 on 4/19/2011
                  341 meeting on 5/25/2011

                  I will update post discharge scores

                  Comment


                  • #69
                    According to Truecredit I'm an F - my credit is WORSE than everyone else in the country!


                    Hoooaaahhhh!!!

                    Comment


                    • #70
                      Although I have never actually paid money for a "real" FICO score (don't plan on applying for any credit, so I don't care), I do use the Credit Karma website to track my "progress". Amazingly, my score increased by 7 points--from 513 to 520--when my T-Mobile charge-off was sold to a JDB last week, and my total reported indebtedness went down by that amount!

                      BTW, I have 5 "negative accounts" according to Credit Karma, although really the number is much higher. I have a charged-off Citibank Mastercard, a charged-off Discover card, a charged-off overdrawn bank account, a charged-off cellphone, and approximately 3 or 4 medical bill collections. So I was actually expecting a much lower score, maybe even in the low 300's!

                      Comment


                      • #71
                        My CreditKarma is:

                        592 (Transrisk)
                        585 - F (VantageScore)

                        Just paid the last of my Ch 13, will update once discharged. I have an 11-year-old mortgage in this also so I might get a few extra point from that. (Just posting this so I remember what they were when I check back after discharge).
                        February 2007 - Filed for Chapter 13, began 100% repayment plan.
                        August 2011 - Final payment mailed off.
                        December 2011 - Chapter 13 discharged.

                        Comment


                        • #72
                          Still waiting on discharge, but my scores dropped over the last month. Not sure why, I haven't had any new credit activity, paying mortgage on time, etc.

                          578 (Transrisk)
                          580 (VantageScore)
                          February 2007 - Filed for Chapter 13, began 100% repayment plan.
                          August 2011 - Final payment mailed off.
                          December 2011 - Chapter 13 discharged.

                          Comment


                          • #73
                            I just filed bankruptcy on Tuesday and I checked yesterday and my score is a whopping 334.... I might as well dig a hole and throw myself in it....This is going to be a process....

                            Comment


                            • #74
                              You guys want to know what's REALLY stupid? My score from TransUnion was 501 (that's their BOTTOM score - lower than EVERYONE in the known universe!!! according to them)...today - get an update...HSBC credit card charge off, a repo charge off...and...score is "up" to 547! That's how you know this BS makes no sense!!!

                              I had an almost 50 point INCREASE from my credit becoming...worse!!!

                              Comment


                              • #75
                                Originally posted by jmh View Post
                                Still waiting on discharge, but my scores dropped over the last month. Not sure why, I haven't had any new credit activity, paying mortgage on time, etc.

                                578 (Transrisk)
                                580 (VantageScore)
                                Well just to update, I received my discharge in the mail yesterday. I haven't moved so much as a point on the two above scores since I last posted. Still current on the mortgage, all debt now gone, I'm hoping for a little bump once my discharge registers with them.

                                At this stage I'm preparing to pull my TU, Experian & Equifax reports and send them a copy of my discharge. Once that's done I'll grab one of those Orchard Bank credit cards and start the credit rebuilding process.
                                February 2007 - Filed for Chapter 13, began 100% repayment plan.
                                August 2011 - Final payment mailed off.
                                December 2011 - Chapter 13 discharged.

                                Comment

                                Unconfigured Ad Widget

                                Collapse
                                Working...
                                X