Why Credit Scores Are Not Part of Your Bankruptcy Discharge

Episode 51 of The Credit Score Podcast explores a common misconception: does filing for bankruptcy wipe your credit score clean? Lucas and Luna explain how Chapter 7 and Chapter 13 bankruptcies affect FICO scores, how long the damage lasts, and why the score itself is not discharged—even when debts are. They walk through the timeline of score recovery, the role of reaffirmed debts, and strategies to rebuild credit during and after bankruptcy. Specific data points include FICO score drops for a 780 borrower filing Chapter 7, and the 18–24 month timeline for score recovery in Chapter 13. No abstract advice—just a clear-eyed look at how bankruptcy and credit scores interact. #CreditScore #Bankruptcy #FICO #Chapter7 #Chapter13 #CreditReport #DebtDischarge #CreditRebuilding #PersonalFinance #CreditRepair #Finance #FexingoBusiness #BusinessPodcast #CreditScorePodcast #LucasAndLuna #DebtRelief #BankruptcyMyths #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo