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Post bankruptcy credit score ch13

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    Post bankruptcy credit score ch13

    Hello everyone,
    So I have a quick question for all that read this. Is a fico score legit or inflated by certain things? I paid my last payment for chapter 23 in 2011, and have been nothing but good on payments since then. Had a few big purchases and paid it off within 6 months and have been regularly using them. Bought a new car, which my wife helped to get me a better apr. received a few credit cards and those limits have increased to 10k, plus they started at 0% apr. I couldn't even get 0% before my bk. Anyways my score has changed from 640s and has gone up drastically. I'm now at an 822 credit score, is this even real? Your opinions and thoughts are appreciated. Thanks!!

    #2
    It's real if you are getting a FICO and not a fako score.

    Your BK and all negative items from before your BK have fallen off your credit reports and you have replaced that info with positive items. It is a myth that BK forever ruins your credit score.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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      #3
      Yes, the 822 is real. Congratulations!
      "To go bravely forward is to invite a miracle."

      "Worry is the darkroom where negatives are formed."

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