Credit scores going UP after filing???

[ilovemycaitybug]

Has anyone noticed their credit scores actually going UP after filing??? Do they increase again after discharge? Man, ours must have been horrendous to actually get BETTER after filing bankruptcy!!! My score pre-filing was 450 and hubby's was 477. See below for current scores!

[SinkingFast]

Ours were hovering around 680 pre-filing. After we filed BK, scores dipped into the low to mid 500's. Post BK and clean up (getting balances to $0 and accts reporting IIB), we're back up to the 600-650 range,........ Depending on which CRA you look at.

[mommytima]

Hello
Can someone explain to me how this works with the credit scores .Lets say your scores start going up won't it still be hard to get credit being that it shows you filed Bankruptcy and that will be on there for 10 years .

[ilovemycaitybug]

[jal1129]

Bankruptcy is not as terrible on your credit as it used to be. Paying all your bills on time post bk and rebuilding your credit, your credit will be almost good as new in 2 years. Meaning you can buy a car or house with good terms.

Read the threads on rebuilding credit for advice on that.

We filed in Feb and already are getting pre-approval applications for cc in the mail, and our scores were bottom of the barrel as bad as it gets when we filed.

[mommytima]

519

Bankruptcy is not as terrible on your credit as it used to be. Paying all your bills on time post bk and rebuilding your credit, your credit will be almost good as new in 2 years. Meaning you can buy a car or house with good terms.

Read the threads on rebuilding credit for advice on that.

We filed in Feb and already are getting pre-approval applications for cc in the mail, and our scores were bottom of the barrel as bad as it gets when we filed.

Thank you for the info . I always thought it hurt you like forever because I remember going for credit and they always ask have you ever filed BK

I did check today on scores: TRANS:596 EXPERIAN : 519 EQUIFAX 599
Don't know what they where before we filed Still have to get my husband to see what his is. Want to thank everyone for all your help

[suitelady79]

Yes, mines also went up!!! I almost passed out when I checked my credit scores from all 3 of the cra's!! before I filed my score was a 492!! Now they are ranging 564. It's weird but hey it's a blessing for me.