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Regular Contributor
Posts: 181
Registered: ‎12-31-2011
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BK has finally dropped off

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?

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Valued Contributor
Posts: 2,400
Registered: ‎11-29-2012
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Re: BK has finally dropped off

Congrats!  That has to feel good.


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)
Valued Contributor
Posts: 1,995
Registered: ‎07-12-2012
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Re: BK has finally dropped off

Does your score not going up have something to do with being rebucketed? Congrats, I am sure you feel great!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
715 EQ FICO 04/2015
717 TU FICO 04/2015
679 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Regular Contributor
Posts: 181
Registered: ‎12-31-2011
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Re: BK has finally dropped off

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. 

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: BK has finally dropped off

Congrats!!! Mines also from 2003 will fall off in August. Can't wait!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
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Re: BK has finally dropped off

Rember the effect of baddies declines with time.  The score not changing may just mean it was already aged out of score impact. 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: BK has finally dropped off

+1 I believe that to be true. My report now says I have no public records as a positive to my score even though the BK is still on there. It is soooooo old! Very happy about that.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
0

Re: BK has finally dropped off

I see that on my FAKO from USAA but not on my FICO scores.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: BK has finally dropped off

It is also on my Fico score watch report. It says I have no recent public records as a plus to my score, which is 703.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
0

Re: BK has finally dropped off

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.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
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