When Baddies drop off

[Anonymous]

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?

Thanks!

[Anonymous]

Anybody?

[Anonymous]

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beenthere wrote:

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?

Thanks!

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Yes.  That's why they're called "baddies."

Message Edited by cheddar on 02-18-2008 05:31 PM

[Anonymous]

Thank you. The reason I was asking is that those 4 baddies/credit cards were the entire guts of my BK. When they drop off at 7 years I will have a spottless record.....except the words Chapter 7 at the end of an otherwise excellent report. Unfortunately, that will be at the bottom of those otherwise wonderful reports for 3 more years.

[Anonymous]

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beenthere wrote:

Thank you. The reason I was asking is that those 4 baddies/credit cards were the entire guts of my BK. When they drop off at 7 years I will have a spottless record.....except the words Chapter 7 at the end of an otherwise excellent report. Unfortunately, that will be at the bottom of those otherwise wonderful reports for 3 more years.

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Well, even though you will still have the PR, the fewer delinquent/derog accounts you show, the better.

[Anonymous]

What is PR?

I'm in excellent shape now. I landed a great job 10 weeks after my BK and I haven't looked back. I haven't aquired a baddie sense the BK and see no reason to expect any in the future. I'm by-the-book right now and going for the top.

[Anonymous]

PR= Public Record

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beenthere wrote:

What is PR?

I'm in excellent shape now. I landed a great job 10 weeks after my BK and I haven't looked back. I haven't aquired a baddie sense the BK and see no reason to expect any in the future. I'm by-the-book right now and going for the top.

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[Anonymous]

Oh! Oh...that!