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Established Contributor
Posts: 971
Registered: ‎01-13-2008

When baddies drop off

Didn't get a nibble in Credit Cards. I'll try it here:
I have 4 Baddies showing in credit reports. They were the 4 credit cards included in my bakruptcy 5+ years ago. Will my FICO scores improve when these drop off the 3 major CRA's records?
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Established Contributor
Posts: 970
Registered: ‎12-04-2007

Re: When baddies drop off

I have 4 IIB accounts falling  off in March so will have a more definite answer then.  But when one account that was included in my chapter 13 was deleted, my fico went up 2 points.
New Visitor
Posts: 1
Registered: ‎02-19-2008

Re: When baddies drop off

By the time they are due to expire they have pretty much lost their affect on the credit scoring.

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