6 baddies will fall off my report BUT what will happen?

[ando35]

So almost all the bad account from my bankruoptcy will fall off but my bankruptcy will still be on there. Will my score go up? Won't this also make my credit history shorter?

[JM-AM]

Have you started rebuilding your credit again?

Yes as the negative information is removed it will improve your scores, even though the BK will still be reporting. Yes your AAOA also changes, which will also dicatate your scoring.

If you havent started the rebuilding process I suggest you start as soon as you can. The faster you start the faster you start improving your credit profile.

[ando35]

Yeah I have been. I went from a 590 to a 670. I would think I will hit 700 when they fall off, but I am not sure because of all the factors. I now  have revoloving credit and a car loan and low util, and I removed all I could.

[ando35]

I mean, seven 90 day late bad marks will fall off, but my length of credit history will go from 2003 to 2010. 

[Shogun]

You will lose AAoA but will have a cleaner CR.  Just start to slowly build up new healthy TLs and your scores will grow.

[ando35]

Yeah, baddies are 35% and aoar is 15% so I am fairly certain it will go up. How much, we will see.