12-21-2012 06:30 AM
My BK from January 2003 has finally been removed from my CR's. The only bad thing is I haven't seen an increase in my scores. Maybe the CR'S are more interested in the final three baddies coming off in 2013. At least I'm hoping thats the case and my scores don't drop due to my AAoA's will be shorter. Any thought's from anyone?
12-21-2012 08:09 AM
Congrats! That has to feel good.
12-21-2012 08:11 AM
Does your score not going up have something to do with being rebucketed? Congrats, I am sure you feel great!
12-21-2012 10:26 AM
Thank you. I never gave rebucketting a thought but I can see how that would make sense. I have the last few baddies coming off soon and will probably get reclassified again to those with no derogs but a short AAOA problem.
12-23-2012 10:32 AM
12-23-2012 10:36 AM
Rember the effect of baddies declines with time. The score not changing may just mean it was already aged out of score impact.
12-23-2012 10:44 AM
12-23-2012 10:58 AM
I see that on my FAKO from USAA but not on my FICO scores.
12-23-2012 12:39 PM
12-24-2012 05:55 AM
Moving_Forward, how long did it take FICO to do that, did you notice?
On the Experian FAKO through USAA they use two years as the cutoff for public filings, according to the comments. I don't believe FICO is that short.
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