How soon after discharge will I see a diffence in my credit score?
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My credit scores:
Before Filing: Tr 496, Ex 496, Eq 507
Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116) -
2-3 months, or by the time everything updates. You also may have to dispute some things that do not update on their own, so keep an eye on it. -
Your credit score changes constantly. Time makes a difference, as bad things get older. To help it out, you can work on making sure everything is accurate. Such as, dispute w/ the CRA's if any creditors in your BK are still reporting that you have balances owed. Also, adding positive activity after your BK is good. As new accounts get older, that will slowly start to have more siginificance (score wise) than your bad history.Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.Comment
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