3 negative accounts to drop soon--How much of an increase can I expect?

[daddyaddy]

As of today my Equifax Fico score is 709 and I have three negative closed accounts from a bankruptcy about to drop of my reports--the last one should drop off in September. How much of a score increase can I expect after these old records drop off? The negative closed accounts are from a bankruptcy. I'd really love to know since I'm planning on getting pre-qualified for a mortgage next year.  

[rckstrscott]

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@daddyaddy wrote:

As of today my Equifax Fico score is 709 and I have three negative closed accounts from a bankruptcy about to drop of my reports--the last one should drop off in September. How much of a score increase can I expect after these old records drop off? The negative closed accounts are from a bankruptcy. I'd really love to know since I'm planning on getting pre-qualified for a mortgage next year.  

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We would need to know your open accounts and credit utilization before even hazarding a guess...

-scott

[Duncanrr]

Somewhere between 0 and 141   

[daddyaddy]

Thanks for the replies!

I have three credit cards and 1 Macys card. My utilization is less than 10 percent on one card,and I'm planning to charge small amounts on each of my other cards each month and pay each in full regularly until I get pre-approved for a mortgage next year.

[Anonymous]

 I would like to know the same thing. I have gotten 3 collections accounts approved from GW to be removed. I currently am waiting on my first credit card to arrive and I otherwise have no other forms of open credit but a mortgage payment.  I am trying to establish more credit with the credit card. My current credit is ghostly. Can anyone tell me how to calculate or anticipate how much my score can increase?