Credit Scores

[jade73]

I was just wondering if anyone could tell me how their credit scores changed after filing Chapter 13? I know mine couldn't get any worse than it is right now and Chapter 13 will definately not hurt it.
I know my mortgage payments will be made on time starting Aug 1st and that will be good toward the score.

Anyone care to share?

[Flamingo]

When we refinanced 3 1/2 years into our Chapter 13, our scores were about 675. About a year past discharge our scores were in the 790s.

[oldhack]

Well, I can't tell you what my FICO scores were during bankruptcy, because obtaining credit was the furthest thing from my mind. However, as discharge loomed earlier this year -- and with several PIF, in-good-standing, pre-Chapter 13 accounts still reporting -- my immediate, post-discharge mid-score (the one they care about) was in the 640s, high enough to qualify me for an FHA mortgage.

[jade73]

When we refinanced 3 1/2 years into our Chapter 13, our scores were about 675. About a year past discharge our scores were in the 790s.

That's awesome and nice to know!

[jade73]

Well, I can't tell you what my FICO scores were during bankruptcy, because obtaining credit was the furthest thing from my mind. However, as discharge loomed earlier this year -- and with several PIF, in-good-standing, pre-Chapter 13 accounts still reporting -- my immediate, post-discharge mid-score (the one they care about) was in the 640s, high enough to qualify me for an FHA mortgage.

Thanks, That's Great!!

[crookedoak]

I started in the low 500's, in the high 600s now, pending discharge

[jade73]

I started in the low 500's, in the high 600s now, pending discharge

Sounds great. Been a long time since we were in the 600's

[crookedoak]

Sounds great. Been a long time since we were in the 600's

I just pulled the score that matters and it shows as 653 with some errant info

The Big 3 Plus scores have me ranging from 645 to 699.

Hopefully discharged within next couple weeks and the score will get better within 60 days.

[jade73]

I just pulled the score that matters and it shows as 653 with some errant info

The Big 3 Plus scores have me ranging from 645 to 699.

Hopefully discharged within next couple weeks and the score will get better within 60 days.

Where did you pull it? I know creditkarma.com is free but not sure how accurate the score is?

[crookedoak]

Where did you pull it? I know creditkarma.com is free but not sure how accurate the score is?

I paid for at myfico.com. I also have mycreditkeeper account for monthly updates

[crookedoak]

Where did you pull it? I know creditkarma.com is free but not sure how accurate the score is?

I just checked out the creditkarma. My score there was 102 points lower than myfico, and averge of 135 between the big three.

I guess you could use it as a guage, but wouldnt put much faith in it being accurate

[njguy1972]

I checked creditkarma and the score was about what it was before I started missing payments.

I recently settled my cards so that may not be reflected properly yet but in general I think that site uses outdated info.