Re: BK Drop off date

Anonymous · ‎12-31-2011

I filed BK7 in March 2002. My question is should I see the BK drop off in February 2012 or March 2012?

I'm close to applying for a mortgage and I would rather have if fall off first.

penelope10 · ‎12-31-2011

I filed BK7 in May 2002. My credit report states it will fall off in April 2012. There have been a few people posting here that stated it came off a couple of months early. I have quarterly TU reports and my latest, December 30, still has the public record listed. By the way, i was approved for a $192k mortgage in may 2007 and a $280k mortgage in November 2011. I also refinanced my mortgage from 2007 in July and received a 15 year 4.25% (that was the best rate at the time.) You may still want to wait, but i don't think it will help you get a better rate.

Starting Score 5/1/2002: 553
Current Score 5/30/2012: 785 (EQ FICO)
Current Score 10/2/2012: 803 (TU FICO)
Goal Score: 800

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grussell70 · ‎01-01-2012

I got lucky mine came off my EX report 12/2011. It's no due to come off until 2015. To bad EQ and TU want delete early. Don't know what happened but I can't wait to see my update score.

Starting Score:05/02/2010- TU-589-EQ-549
Current Score: 02/13/2012- TU-711-EQ-675-EX-735
Goal Score: TU-750-EQ-700-EX-750
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Anonymous · ‎01-01-2012

Thanks to both of you! That is certainly encouraging. Congrats on the financing as well. 10 years is a long, long time, but I'm glad its just about over.

aussiesareforever · ‎01-02-2012

@Anonymous wrote:
Thanks to both of you! That is certainly encouraging. Congrats on the financing as well. 10 years is a long, long time, but I'm glad its just about over.

Congrats. I still have six years to go...must be an awesome feeling to have that completely off your mind!

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

Anonymous · ‎01-02-2012

Thanks! Don't worry, the time will come for you as well. What I would say is don't wait to start rebuilding. I waited until about 1 1/2 years ago to start and I should have started sooner. By the time it drops, you will be in great shape!

Anonymous · ‎01-02-2012

**Update**

Pulled Experian credit report from free annual credit report and no bankruptcy! I can't wait until the other two are complete.

Anonymous · ‎02-01-2012

Pulled myfico Equifax and no bankruptcy!

TU is still holding on, but it won't be long now.

aussiesareforever · ‎02-11-2012

Congratulations. Let us know when you get a score update. I'm sure it will be a big boost

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

Tpelc23 · ‎04-20-2012

They only report for me is EQ, I filed in June of 2002 so it should come off in June of 2002. I'm hoping for May 1 Did you get a sore bump

2/28/12 -TU FICO 646 3/28/12 TU-FICO 647 4/19/20 TU-662,
2/28/12 - EQ FICO 557 3/14/12- EQ FICO 600 3/16/12 EQ FICO 623, EQ FICO 628, 7/2/12 662
2/20/12 - EXP FAKO 620 3/16/12 FAKO 631 FAKO 643 3/28/12 655 (MTG pull) 5/7/12 698

CURRENT GOAL MID 640 LONGTERM 700 CLUB

BK Drop off date

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BK Drop off date