What was your credit score pre-filing?

[Rozi]

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....

[jmh]

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)

[jmh]

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).

[bcohen]

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!

[IamOld]

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


Hoooaaahhhh!!!

[mauirayne]

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

[Bell30656]

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

[gamama]

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 !!!

[IamOld]

Congrats! That makes you "special"..

Yep!!! I'm now the worst of the worst of the worst!!!! Much LOL'ing here!

[IBroke]

According to it, there are ZERO% of people worse then me!!! YEAH!!!!! :-)

Congrats! That makes you "special"..

[IamOld]

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!!!!! :-)

[IBroke]

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..

[Clabbergirl]

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.

[Amy26]

Yes, that is accurate. But the bureaus sell FAKOs as well - ironically. The bureaus are the direct source for the "ingredients" of your real FICO - but they don't put them together to deliver the genuine score. Each agency has their own score-formula - so you are basically comparing apples to oranges by comparing scores obtained at different places - no matter if those are the bureaus themselves. I signed up for a 3-in-1 credit-monitoring but only for the content of the reports - their scores are worthless. However, if you want to COMPARE your scores to each other, the 3-in-1 score is even more accurate because all 3 scores are calculated the same way - opposed to buying them at separate places as you did.

To get as close as possible to the score lenders use, you would have to go to myfico.com. As you can see, the scores in my signature are only 2 FICOs and one "credit-score" (Experian) - simple because I can't get the Experian FICO any more.

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. Just FYI. Don't really have to do much in the way of deposits or credit with them... just having a checking/savings can enroll you in the service and you can donate to a charity for like 10 dollars to become a member.

[helpmeout]

Mine is now in the 610-646 range. Not good, but not bad either. It would probably be higher if I got a credit card, but I don't want to go that route. Too easy to fall back into that trap. My car payment will have to suffice. And every Real Estate Agent that I have spoke with have stated that those aren't too bad when it comes to renting and that the BK isn't a problem. With the exception of one place I did call to see if they had a 2 bedroom still available, they weren't sure how long after the BK before they would rent out to me. Wasn't really wanting to switch schools, but am keeping options open in case the two apartments in my town fall through.