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

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What was your credit score pre-filing?

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  • #31
    My score was 770 before our business started to fail.
    My score was 520 after we filed BK7.
    My score is 668 almost 2 months after discharged and closed.
    May 5, 2008 - Filed Ch7
    June 13, 2008 - 341 Meeting
    August 12, 2008 - Last day for objections... August 18, 2008 - Discharged!
    August 26, 2008 - CASE CLOSED!


    • #32
      pre/post credit scores

      I was discharged in september 2008.
      Prior to filing my scores were:
      493 exp
      499 equ
      566 transunion

      november 2008
      525 experian
      584 equifax
      505 transunion

      As of date my scores are:
      525 experian
      601 equifax
      563 transunion

      I chose to do my credit repair on my own. Because im frugal, and I like educating myself to do things on my own as i did. I got two judgements removed, after my bankruptcy most of my accounts did not show included in my bankruptcy. I got all of my accounts included except my student loan. I still have a tax lien, and I just got an unsecured credit card this month and it has not reported yet but once it does i expect it to affect my scores in a few months. its just a small credit line from capital one.

      Dont be discouraged to do your credit repair yourself its not hard, i have had a few things come up since bankruptcy us bank so my account to a collection agency, i had to handle that. Some things have disputed have come back but its a long ordeal that takes time. I thought about letting a company repair my credit to get me on track but i have done hours and hours of research and everything they can do i can do myself. and some of the sites give promises i dont see as being realistic. I do hope to have all of my scores above 650-700 by the end of the year though.

      good luck to you all be positive and stay focused. Getting good credit takes time patience and persistance.


      • #33
        Originally posted by Bandit View Post
        So then, what is the lowest score you can get?

        Like can you get Zero or negative (-100)?

        A negative score to go along with my negative DMI
        Don't take life too seriously, you won't get out alive.


        • #34
          740 before unemployment
          700 after employment
          620 PRE Bk
          Don't take life too seriously, you won't get out alive.


          • #35
            We were 750 and 725. Our court date for Chapter 13 is March 12. We've not been paying on accounts since October. I checked it recently and it was 650. I expect it to get much worse before it gets better. We are saving like mad the money that used to go towards debt. We will rebuild our credit, but will try to not use it at all. I haven't used a credit card in almost 5 months and I find it totally liberating. Also, I no longer feel bad about saying, sorry, I can't do that. I can't afford it at the moment.


            • #36
              Filing: 4/10/2009, 341: 5/18/2009
              Last day for objections: 7/17/2009
              Discharge: 7/29/2009


              • #37
                My score was about 700 before I stopped paying a year ago. Filed today and it is 590. The credit report my lawyer ran said the score would go up to 665 post BK. I was surprised that it would be that high so soon.


                • #38
                  Before my being laid off it was between 756-780, I haven't checked it recently but am quite sure that it is probably around 500.


                  • #39
                    Don't remember and at this point don't care.

                    California Bankruptcy Central


                    • #40
                      Just after our discharge it was 519.That was at the end of June. I am not sure what it is right now, but I need to pull a copy of my report.

                      Filed Chapter 7: 2/26/10
                      Meeting of creditors: 4/18/10
                      Discharged: 6/14/10
                      Chapter 7 filed 2/26/2010
                      341 meeting 4/18/2010
                      Discharged 6/14/2010-On our way back up the ladder from a rough patch.
                      FICO score goal by June 2011:720+


                      • #41
                        Prior to executing our BK plan, our scores were 700-710. In the few months leading up to filing, our scores dropped to the 550s. 3 weeks after discharge, our scores are 618-625.
                        Stopped paying CCs 1/10 | Stopped paying mortgages 2/10 | Interviewed attorneys 3/10-5/10 | Retained attorney 5/14/10 | Delivered paperwork to attorney 6/17/10 | Filed Ch7 7/9/10 | 341 8/16/10 | Objection Deadline 10/15/10 | DISCHARGED 10/20/10


                        • #42
                          554 EQ FICO on filing day...
                          Ch 7 filed 8/15/11 341 9/22/11 Discharge 11/28/11
                          The rebuilding begins


                          • #43
                            Pre Bk filing 463 equifax...after filing 580 transunion reported...


                            • #44
                              6/17/2010 -- Score 505
                              11/5/2010 -- Filed Chap 7
                              12/21/2010 -- 341 Meeting
                              1/8/2010 -- Score 552
                              2/21/2010 -- Set to be discharged!
                              ** Filed Chapter 7 -- 11/05/2010 ** ** 341 Meeting -- 12/21/2010 ** ** Report of No Distrbution -- 1/10/2011 ** ** DISCHARGED!! -- 2/25/2011 **


                              • #45
                                FICO TU: pre-filing: 589, After BK Public Record: 563, Now: 583.
                                FICO EQ: pre-filing: 573, After BK Public Record: 568, Now: 622.

                                Discharged on 01/06/2011.

                                I have to add though that my current score is that low because my 2 CCs are currently maxed out (95%). That can be fixed though quite fast because their total CL is only $600.

                                Based on the FICO simulator, my scores could be

                                FICO TU: 633-673
                                FICO EQ: 642-682

                                if the cards would be paid off. Not too bad...
                                Last edited by IBroke; 01-09-2011, 04:40 PM.
                                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.


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