05-01-2012 08:39 AM
An update for everyone...
I filed for Chapter 7 bankruptcy on 6/1/2002. My BK fell off Experian in mid-April. This morning (5/1) it fell off Equifax.
Of course, I can't pull my own Experian FICO, so I'm not sure about that score.
I did pull a report and Equifax score from myFICO today. Before my BK fell off, my EQ score was 686. As of today, with the BK off, my score increased to 718. I should note that I have 2 60 day lates and several 30 day lates from about 4 years ago. My average age of accounts (AAoA) is a little over 4 years.
Might I seen a better increase had I not had the lates? Probably. But I'll take the 30 point increase!
I had several credit cards post-BK, prior to 2010, but I ran up balances for several reasons (don't ask). I paid off the balances in 2010. I had a Barclay's, HSBC, Wells Fargo (joint, but ex was primary), and Cap 1. These cards are all closed.
I've rebounded and acquired the following cards, post 2010 and prior to my BK falling off:
Bank of America 1-2-3 Cash Rewards
I will post my updated TU score after my BK falls off on that report. I am hoping it will fall off in time for updated Walmart TU scores for May!
05-14-2012 08:19 PM
BK fell off TU on May 7 (filed 6/2002). Walmart TU08 increased from 737 to 756. Again, I had several lates 4 years ago, which is impacting my score.
05-23-2012 09:01 PM
05-24-2012 07:08 PM
Thanks for sharing OP. Must be a huge relief to finally have the BK off your credit report. I still have a long way to wait (only four years out) but I can't wait!!!!!
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