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Established Member
Posts: 21
Registered: ‎06-03-2013
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Hurray BK7 Dropped off Experian!!!!

Filed BK7 Oct 2003 just dropped off Experian .....drum roll......score went from 731 to 732 on My Fico (Experian). I have 2 30 day lates > 1 year old and 1% Credit Card utilization. Just a data point for anyone interested.

Lender Pull Dec 2012 EQ 618
MyFICO Site: June 21 TU 700 EX 731 EQ 684
Lender Pull June 26: TU 686 EX 704 EQ 684
MyFICO Site: Sep 12 TU 700 EX 732 EQ 689
Contributor
Posts: 119
Registered: ‎06-30-2013
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Re: Hurray BK7 Dropped off Experian!!!!

Omg. Lol. One point. I thought it was supposed to be like 80....
Gardening until 8/10/2014! I love this forum!!!! EX- 687 TU-688 EQ - 680 ...all pulls 12/2013 (myfico)
Ch 7 discharge - 12/11. Discover $6k, DCU $3k, Barclays rewards $3k, Barclays Sallie Mae $3k Sony Visa $2500 Capital One Quicksilver $5 Capital One Venture One $3k, best buy mastercard1000

Frequent Contributor
Posts: 398
Registered: ‎11-03-2012
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Re: Hurray BK7 Dropped off Experian!!!!


SeaDog1957 wrote:

Filed BK7 Oct 2003 just dropped off Experian .....drum roll......score went from 731 to 732 on My Fico (Experian). I have 2 30 day lates > 1 year old and 1% Credit Card utilization. Just a data point for anyone interested.


Other than the two 30 day lates, you have likely been "rebucketed". Hence you are not likely to see a score gain and are probably lucky not to see a drop. In brief, my best guess is you are now been compared to similar profiles with no BKs, and your lates are pretty new, depressing your score even further. If you can GW....you will likely see a 50pt gain. Congrats on the BK dropping off.


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
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Re: Hurray BK7 Dropped off Experian!!!!

[ Edited ]
Yeah I checked a few days ago and my bk13 from Oct 2006 has fallen off from Experian. Now I'm waiting for Mr. Equifax the last one showing to follow suit! My fako score didn't change. Oh well.

Edit:added score info

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


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Established Contributor
Posts: 999
Registered: ‎11-08-2011
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Re: Hurray BK7 Dropped off Experian!!!!

You only get the big score pop if you hace 100% perfect credit since the BK... because it's literally the last thing that's bad on your report.  When it falls off, you're golden.  In this case, there are other negs holding the OP back.  732 isn't shabby, though.

 

remember, w/ baddies, 1+1 != 2... one matters a ton, the next matter much less.

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
New Member
Posts: 4
Registered: ‎05-10-2008
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Re: Hurray BK7 Dropped off Experian!!!!

[ Edited ]

Congrats to you!  First step in beginning your clean-slate run.  Like you, I recently had BK drop off my EX & EQ reports for an average of 60 pt. gain.  Just need to get that TU off.

 

MyFICO Site:  Sept 3 - TU 701 | EX 776 | EQ 753

MyFICO Site: June 28 - TU ??? | EX 687 | EQ ???

 

Goal:  780


Starting Score: 771
Current Score: 771
Goal Score: 800


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