I'm curious about my post-BK FICOs as well, but I can't bring myself to fork over the cash to find out. I feel like they are what they are and what I'm doing now is the most I can do to improve them, so knowing the exact number isn't important enough to justify the money.
Did you try Capital One? They gave me a 2K Visa and a 1K MC and I'm less than a month out. FYI, I somehow had two zero-balance credit cards survive my BK and the limits on those are pretty solid (10K and 7K), so that may have helped.
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Oh, stevie2012, I know this hurts. These numbers, though, look very familiar to me and they are indeed more realistic considering your circumstances.
However, they will improve. Just be patient and proactive..
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Major Wake Up Call - Regarding Real FICO Post BK
Hi All,
Remember my thread here:
Well thanks to PJmax who provided such an insightful response, I decided to check my real FICO from MyFico.com. Holy difference!!
Post Ch 7 discharge:
EX: 570
EQ: 615
TU: 546
OUCH!! It's good I know where I stand though.
I just got a secured credit card with a $250 limit from my credit union and plan on charging on it and paying it off every month.
But wow, what a wake up call - thanks for the great advice PJMax!!
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