I am very curious about this too, CH7 discharged 9/1999 and currently am sitting at OK scores. I am wondering what will happen in 9/2009 when this bad boy comes off.
I currently have balances only on a Credit Union consolidation loan of 11k, then Sallie Mae school loans at around 5k. The cards I paid off I kept open for the utilization factor and my scores jumped almost 50 pts after the consolidation was reflected on my CR's.
I have 2 lates on record so I am assuming that's what's holding me back other than the obvious BK.
I am curious exactly how much I should see in points after that goes off but on the other hand I am thinking, I am at year 8.5 with this on my record so will it really be that big of a jump?
TransUnion
697
Date: 10/16/2007
Equifax
695
Date: 10/16/2007
Experian
714
Ch 13 Filed - Apr 02, 2018
Last Payment Made - March 10th, 2023
Discharge - 5/16/23
FICO 8 Scores as of 5/17/23 - EQ - 659, TU - 600, EX - 670
8/17/23 - FICO 8 Scores EQ - 716, TU - 725, EX - 721