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

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as 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: (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 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

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 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?

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

  • #76
    January 2011 before stopping payments: Experian 638
    July 2011 right before filing Ch. 7: Experian 610

    January 2011 before stopping payments: Equifax 688
    January 2012 3 months post discharge before getting any credit cards: Equifax 617

    I'm wondering if foreclosure sale of my house (1st and 2nd loans were included in bk) will cause a huge drop. Anyone?


    • #77
      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)
      UPDATED Credit Karma scores, 3 months after bankruptcy:

      616 (Transrisk)
      674 (VantageScore)

      Bumped up a ways these last couple of months.

      I had an unfortunate problem after my bankruptcy discharged (end of December). I still had a balance of student loan money I wasn't aware of. I got dinged for a late payment before I had a chance to react to the letter they sent. My last BR payment was in August and I thought I was all done paying. I heard nothing until last month, and by that point (to them) I hadn't made a payment in a few months.

      Once I straightened out the issue with my attorney--who forgot to mention that student loan providers can default me due to bankruptcy, and charge higher than normal interest leaving me with a post-bankruptcy bill--I made a payment and got that current quickly. Still about $2,000 worth of surprise debt. But whatever. That will be gone it 90 days tops. I kick debt's ass these days.

      I picked up a Cap One unsecured CC with a $500 and am managing that. Using it/paying it down, etc. I don't need it and $500 is kind of a joke, but it's a credit building tool. I'll add another when I think I can qualify for a 2nd unsecured card.

      Scores are still poor overall but not rock bottom. Once I knock out this little bit of student loan leftover debt I'll pull my credit reports and check for errors and whatnot and fix those. Pretty much from there it's just time.
      Last edited by jmh; 03-27-2012, 02:41 AM.
      February 2007 - Filed for Chapter 13, began 100% repayment plan.
      August 2011 - Final payment mailed off.
      December 2011 - Chapter 13 discharged.


      • #78
        My husband and I are filing Ch 13 this coming Wed., my current credit score is 730 and my husbands is 765. This is going to hurt, but it is the beginning of a new life for us, & we are looking forward to the future.
        Plan Completed 10 months early 09/24/2014 Discharged 11/04/2014

        Filed Ch 13 Aug. 2012 341 Meeting 09/12/2012 Confirmed 10/23/2012


        • #79
          I was at 655 when I bought a car a couple of monts before filing. I had not yet missed any payments and had a history of always payin gon time, but a debt/income ratio of about 90%.

          I am a little more than a year and a half post discharge, and Credit Karma puts me at 686. Only credit I've acquired since BK is a $500 limit card via Orchard Bank (now Capitol One).


          • #80
            I was close to 700 before I lost my job last year. Stopped paying creditors and my Credit Karma score was 585 the day of filing.


            • #81
              I just received my discharge on Friday. My credit karma is now 681 and 699.


              • #82
                avengers... I did some spring cleaning (as justbroke would say) and my credit score jumped 60 points. I am at 689 trans union pre- Chapter 13 discharge.... Working on my Equifax as I write this. Dispute filed on some errors showing like 25 missed pmts (during my bankruptcy) on my Chase card that was included in my bankruptcy. Ughhh. But if I didn't at least try and clean it up all those errors would hold my score down. Hoping to refinance either my mortgage or helco eventually...
                Those who live in glass houses should not throw stones
                Chapter 13 filed 10-21-09
                Discharged 4-13-15


                • #83
                  The scores I listed before are inaccurate.

                  I stopped paying my bills in November 2013. By September 2014, my Credit Karma was 521. I filed chapter 7 in October 2014. My Credit Karma was 595 (I have no idea if this was before or after I filed). By November 2014, it was up to 671. I received my discharge in January and my Credit Karma scores were 681 and 699.

                  Now, in May 2015, I have 2 credit cards and my Credit Karma scores are 697 and 714. Nearly 200 point improvement! Not bad.

                  Keep in mind that Credit Karma is just their estimate and seems to be high. My actual FICO is 672 as of May 12 (after my 2nd credit card started reporting.) I didn't start a FICO subscription until March, when my score was 640.


                  • #84
                    avengers it takes time to rebuild your credit score but sounds like you are on the right path... I have been paying my Mortgage & Helco every month since Dec 2014 on time & I though mine would go up higher but they seem to have plateaued ... Guess it doesn't matter . Did buy a new car last month & got a good rate. That is all I plan on buying with credit in my lifetime.. One thing bankruptcy taught me was that I can live a cash only life ... If I don't have the cash then I have to save to buy it or wait a few days & the temptation goes away...
                    Those who live in glass houses should not throw stones
                    Chapter 13 filed 10-21-09
                    Discharged 4-13-15


                    • #85
                      Prior to filing for bankruptcy my score was 730 but after filing and going through the process and waiting for discharge letter via mail (60 day waiting period after 341 meeting was June 5, 2015), I checked my scored today and its 575. It went up from 570 several days ago.


                      • #86
                        Mine prior to filing was 705 and post discharge (which I just got last week) its at 581.


                        • #87
                          Ours were both around 800. 3 months after discharge we are both around 700. Not sure how this is possible but we are pretty happy with it!


                          • #88
                            Prior to filing, I'm 800, after my 5 years, chap 13 discharge, my score sits at TU 718, EQ 725 and Experian 736.


                            • underh20
                              underh20 commented
                              Editing a comment
                              Please disregard, the post credit scores are FAKO as Vantage 3 scores, not actual FICO. I'm still learning a lot. My FICO 8 is actually 654.

                          • #89
                            Pre 13 filing was 660 or so, post filing was about 570. Pre discharge was 624, and immediately went to 725 the day after discharge, which was a few days ago.


                            • #90
                              I was shocked how high my credit shot up. I just had my 341 meeting last week and still a long way off until discharge. But already my score has jumped from 479 to 634, and my wife had hers jump from 520 to 670s. I never thought it would go upward so quickly, won't complain though!


                              Unconfigured Ad Widget