My bankruptcy was in 2001.  Last year each of the creditors began dropping off of my report, and each time one did, my FICO score dropped and kept getting lower each time another one of my creditors dropped off.  I was shocked and devestated because of this.  I have 2 credit cards that I have been using for the last 4 years and have always paid the entire balance every month, never once was I late.  Watching my score go up every couple of months and then drop drastically again the next month finally made me call MyFico.  I was told that each time one of the creditors from my bankruptcy had dropped off of my credit report, it caused a big decrease in my fico score, and that it would continue to do so until all of the creditors dropped off my report.  She was entirely correct, because when they all finally dropped off of my credit report, my fico score went up a whopping 100 points and is presently 744.  I still have a couple of years to go, before my credit report is totally clear of any mention of a bankruptcy. ... View more