Credit score spike

[Hopefull1983]

So Transunion sent me a score alert. I log in and BOOM almost a 100 point jump to 638. My BK isn't even discharged. Hopefully it stays and doesn't fluctuate too much. Once I get my discharge will the score go up a little more?

[LadyInTheRed]

So Transunion sent me a score alert. I log in and BOOM almost a 100 point jump to 638. My BK isn't even discharged. Hopefully it stays and doesn't fluctuate too much. Once I get my discharge will the score go up a little more?

I don't think the discharge itself will make your score go up. What made your score go up is probably the fact that your credit report shows you have no debt because your creditors are reporting zero balances. Future increases will probably be more incremental and will be based on the passage of time since negative entries appeared and your report and your current responsible use of credit.

[catleg]

Yeah that is very suspicious, I'd love to hear what accounted for that.

[Hopefull1983]

Yeah that is very suspicious, I'd love to hear what accounted for that.

Nothing suspicious about my jump in score. Most likely it has risen because all my delinquent accounts have reported zero balances now and has put my utilization to zero. My report still has some open accounts I've never used with credit limits. From the research I've done this is a very normal occurrence.