Reply
Contributor
Posts: 79
Registered: ‎03-23-2013
0

BK Fall Off Date???

I'm unsure of when a bk should come off my reports. Is it 10 years from the filing date or 10 years from the discharge date?


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Community Leader
Valued Contributor
Posts: 2,383
Registered: ‎11-29-2012
0

Re: BK Fall Off Date???

Date of filing.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Contributor
Posts: 79
Registered: ‎03-23-2013
0

Re: BK Fall Off Date???

That's great news, Thank you for answering my question!


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: BK Fall Off Date???


starry1 wrote:

Date of filing.


Starry will hate me if I say when mine falls off :smileyembarrassed:

Community Leader
Valued Contributor
Posts: 2,383
Registered: ‎11-29-2012
0

Re: BK Fall Off Date???

I'd never hate you.  When does it come off?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: BK Fall Off Date???

Community Leader
Valued Contributor
Posts: 2,383
Registered: ‎11-29-2012
0

Re: BK Fall Off Date???

Sweet!  :smileyhappy:  I've got 10 long years to go, until November 2022.  


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: BK Fall Off Date???

When I first filed I didn't care at the time how long I had to wait. Now its under a yr I'm anxious for it to be removed lol I'm going to get a very nice bump when this baby drops off. Im looking atleast a 75-100 point increase.

Frequent Contributor
Posts: 443
Registered: ‎03-22-2008
0

Re: BK Fall Off Date???

My BK just fell off the last of my three reports today!  It's been 10 long years, but I am now officially BK free!!!!! :smileyhappy:


Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Valued Member
Posts: 33
Registered: ‎06-15-2012
0

Re: BK Fall Off Date???

Mine is not projected to fall off until 02/15 (chapter 7); I am hoping for sooner.

 

Dee

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.