I've heard on Susie Orman that once a bankruptcy is removed from a credit report, most often the scroes will go down because when the bankrupty is on a credit report, we're judged based on other people who have gone bankrupt. But when the bankruptcy is removed, we're judged against people who have never gone bankrupt. Don't know if it's true, but I have heard about scores going down instead of up when the bankruptcy is removed.