My BK discharged in January '07, I just checked my Transunion FICO score.....705!
Unbelievable, less than one year after my BK and my credit score is as good or better than it's ever been!
I'm pretty happy about this, but on the other hand, it's nuts!
(Background in a nutshell: Simple no-asset BK, over $30K in debt discharged, auto loan was also discharged but I was able to pay it off, about $8500, a month or so after my discharge just because I got enough money to do that through luck. Now I make just enough to get by, my income is about 30K annually, but I don't owe anything to anyone, I have one Visa which I use up to about $600 a month and pay off early and completely every month. Somehow this has resulted in a very good FICO for me!)
Unbelievable, less than one year after my BK and my credit score is as good or better than it's ever been!
I'm pretty happy about this, but on the other hand, it's nuts!
(Background in a nutshell: Simple no-asset BK, over $30K in debt discharged, auto loan was also discharged but I was able to pay it off, about $8500, a month or so after my discharge just because I got enough money to do that through luck. Now I make just enough to get by, my income is about 30K annually, but I don't owe anything to anyone, I have one Visa which I use up to about $600 a month and pay off early and completely every month. Somehow this has resulted in a very good FICO for me!)
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