Weird Credit Score question

[ScaredINMich]

I got a notice today that my credit score changed and I expected it to be another drop, BUT, it jumped 39 points from 629 to 666 (Higher than before we filed)

We haven't been discharged from our Ch. 7 yet. Is this strange or normal?

[HHM]

Sort of normal. It could be anything. Most likely, some of your creditors recently updated their trade line accounts to reflect zero balance owed and Included in BK. The zero balance owed aspect is what generally causes the score to increase somewhat notwithstanding the bankruptcy.

The bankruptcy, by itself, is only a public record and public records only make up 15% of your score.

[ScaredINMich]

Thanks! I went back and looked and it showed that we had 100% credit and 0% debt, so that is probably what happened.