I filed BK7 on May 23rd, 2011
On 6/30/11 my score hit 457
I was discharged on August 30th, I almost immediately made sure my credit reports were showing the accounts as IIB and set about getting my judgment vacated.
9/28/11 - 509 (+52 points)
In October I bought a used car (loan at 13.31%) and got 2 Cap 1 credit cards to start rebuilding (Paid in full each month)
12/27/11 - 539 (+30)
3/26/12 - 580 (+41)
All in all my score has risen 123 points since filing (62 points since my pre-filing score). Interestingly enough, TU is the only CRA that hasn't taken my judgment off my report, even though it was vacated in September (still working on that with my lawyer). Once that is gone I am sure my score will go up even further. I also have been using my cards for living expenses and paying off each month, but that also means they show as maxed out each month since the cards report to the CRA before I get paid and pay them off. I am working on that issue as well so my credit utilization portion of the score should start getting better too.
I guess my point is that it is absolutely possible to get your score back! Its only been 10 months since I filed and while my score isn't "good" it IS getting better!
sears account I was on. It was charged off ( not my debt ) so they finally removed it from all 3. My scores now jumped.
April 5 EX 692, Trans 699, Exp 683. I continue to dispute 5 tradelines still showing chargeoff (shuld show IIB) but Ex refuses to change it. My score in 2000 was 760, before my financial problems hit me. If you could explain to me how you are getting the judgement removed i would appreciate it.