800 Credit Score with Bankruptcy showing

[CH-7-Mission-Accomplished]

According to the MyFICO score estimator, if you answered every question with the best possible answer, including having Never having even a 30 day late, but having a bankruptcy, ths highest score achievable ranges from 725-775, so 775 is the max.

http://www.myfico.com/ficocreditscoreestimator/estimator.aspx

[TRC_WA]

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@CH-7-Mission-Accomplished wrote:

According to the MyFICO score estimator, if you answered every question with the best possible answer, including having Never having even a 30 day late, but having a bankruptcy, ths highest score achievable ranges from 725-775, so 775 is the max.

http://www.myfico.com/ficocreditscoreestimator/estimator.aspx

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Yep... as said, a public record is still a public record and will always drag your score down.

[Shooting-For-800]

You are right, 700 is different than 800.  and 1 year is different than 5,6,7,8 years of excellent credit history.

[TRC_WA]

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@Shooting-For-800 wrote:

You are right, 700 is different than 800.  and 1 year is different than 5,6,7,8 years of excellent credit history after burning creditors in a BK7 that still shows on my CR.

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Fixed that for ya... public record is still a public record LOL...

[xautodetail]

Well i my personal case i have BK-7 on 2008 , i am working hard to fix my C for the pass 7  month my CS not pass 614 i have 4 CC keep low very low, all bugs the i have is old 5 years old so i am so happy if i rich 670. so to all is ready rich the 650+ congratulation i am keep working by i  am NEVER QUICK 

[Scupra]

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@xautodetail wrote:

Well i my personal case i have BK-7 on 2008 , i am working hard to fix my C for the pass 7  month my CS not pass 614 i have 4 CC keep low very low, all bugs the i have is old 5 years old so i am so happy if i rich 670. so to all is ready rich the 650+ congratulation i am keep working by i  am NEVER QUICK 

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There is something holding your score back. Do you carry a balance on multiple cards? With how old your BK is there is no reason you shouldn't be over 700 already. How long ago did you start rebuilding? 

[getrdone1]

I tried as hard as i could to hit 740 with a bankruptcy showing..the best i ever got was 734 without a mortgage or loan of any sort showing...just over a year out of bankruptcy in 2006, my fico score hit 734 and dropped a short while after that when they revamped the fico scoring system...just got my transunion bankruptcy deleted and my score jumped exactly 70 points..went from 734 to 804...so, i would think that 70 points seems to be the number that is recovered after it is deleted.. you might get more points for a loan, but you will be short 70 points in all likelihood..guessing highest possible might be 780..ymmv

[Anonymous]

I filed BK13 9/2009 and it was discharged 11/13. I'd never had a creditcard before 9/14 and when I joined myFICO my scores was 509. After reading I applied for a Capital one which shot my EQ up 70 pts.  I'm not going to apply for any new credit for 2 yrs to allow my accts to age and INQ fall off but right now my scores are current in my SIG and my BK13 will fall off 9/2016 so I have a little more time to (Garden) and see how high my scores can go. It would be sweet to have 800 when BK falls on in 2016..

*EDIT**

Had I found myFICO sooner or knew to start building as soon as it was discharged I would be well over 700 by now. but you live and you learn. I vow to not have bad or poor credit again, now that I understand how it all works..  Parents wasn't credit savy either...

Sorry it jumped +83 points.

[img]http://i.imgur.com/hbL7Xd0.png[/img]