Yes sir! but... you might wanna make sure and wait for another person to confirm this as I am on the fence. Better yet, why don't you email the Lending Tree guys because they can answer you better...

Hey Mike.

Sorry if my post came across as bragging, it wasn't meant to do that. My jaw about hit the floor when I saw that score though. I was expecting about 400-500 after my BK. Just was curious what others have experienced..

I agree, FICO scoring is messed up..

Wow that's great for both of you. It is kind of strange how this BK works. I'm really curious to see mine. My score was 573 before we filed and as you know I'm just waiting for discharge. So I'm pretty excited, but with my luck, I'll probably end up Negative..

Good luck to both of you in your quests of cleaning up!!!!! It can only get better, right!.

Missi..

Yeah I was like 450 post Chapter 13. You must not have been delinquent on any accounts when you filed. I'm beginning to think that Chapter 7 is the way to go! :(..

Ooops....looks like in my excitement I read my numbers backwards it's actually 648 NOT 684, but still higher than before BK. I guess not having that debt must help a ton...

My TU score was 494 before filing and now that I've finally gotten all of my accounts reported as included in bk it is 624. I was pretty amazed that my score increased so much, especially with my bk filing being so recent...

I don't want to brag either, but my TU score was in the mid 500's just three months ago. I just got the last derog removed this month and my score popped up to 800+. Again, I'm not bragging and I was very shocked to discover that my new score was so high. I just want everyone to know that once you have 86ed that very last derog, you get a huge bonus spike to your score..

I do have 8 positive tradelines though, although only one of them is currently open. Save your tradelines if you can by disputing the lates instead of requesting deletions. I managed to resurrect four of mine from the grave. One was accidently deleted by TU, the other three were showing serious delinquencies. It took six months a very hard work, but it paid off big time...

I know what you mean about that last derog. My EQ FICO went from 65x to 715 with the deletion of a single collection account that was the only derog on my report. According to the CW simulator it should hit 800+ (or close to it) after payments post next month (currently at 68% utilization but paying that down to < 5% in a week or so)..

Kirk..

My chapter 7 bk was discharged in oct. 2002. But yet there are only a number of accounts on my report that say included in bk. Most of them are reporting like nothing ever happened. So why would it not be a good idea to send my bk papers to the CRA'S? If my scores would go up like this I would. Or should I dispute them to say included in bk? I have been disputing them as "not mine", with a little bit of sucess. Which is the best way to go???..

Is this the FICO score?.

Did you pay for this score or was it free?.

Looks like the TU FAKO score...