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!!!!!
So when your bankruptcy falls off your score jumps pretty drastically?
Is there any way of knowing how much it could jump?
Mine falls off October 2016
That will be 3 LONG years!!!
There's no way to tell because it depends on what else is in your report.
I'm expecting mines to fall off EQ in a week-May 1. I can hardly contain my excitement. 10 long years.....a bottle of champagne to celebrate is in order!!!!
Does the fall off date vary by state? I was under the impression it was 7 years... if it really 10? I just passed the 7 year mark earlier this year...haven't ordered new reports yet, so I'm not sure if it's gone or not. I'm gonna be SEVERELY bummed if it's 10 when I was told 7 before
So that sounds like (since it was a 7) that the negative score impact will remain for 3 more years even though the "detail" of the accounts involved is now gone. Is that correct?
Don't get your hpopes up for score increases.. it really is a YMMV thing.. some have had score jump, other scores have fallen and for me 2 out the 3 so far no score change at all.