Wow, 7 months post discharge, Expedia gives me credit score of 635!

[JackBondLove]

(I got the score from my CapitalOne application.)

I haven't built up any credit history since the filing date. Doesn't this sound a bit high? Could my immaculate credit history from 7 month pre Chapter 7 be having the effect of making my score relatively high?

As for 635, would that be good enough (these days) to get a decent interest rate home loan? (I wouldn't getting that new loan anytime soon, and by then in any case, I should be building up a good credit history, boosting that score even higher.)

As for the card itself, at 19.9%, I won't be revolving the balance, unless I absolutely have to (that would be like 3% for doing so!)

[BKDebby]

I was kind of wondering the same thing myself. In June I purchased a new Toyota as part of my pre-BK planning. My score was 780. At that point I quit paying all my CC and waited until September to file Chapter 7. In October my FICO was 580. I checked it again last week and it's already up to 661, and I didn't get my discharge until today.

[Flamingo]

Don't get too hung up on scores after your discharge...time is your friend after any BK...many creditors will see the BK on your credit report and no matter what your score may be, just will not lend to you due to the BK. Be prudent and smart and go slow.

[IBroke]

No, this score is not too good to be true. I'm currently at a CC-utilization of 98% on my two little CC accounts. If these cards would carry a lower balance, my scores in my signature would be much higher.