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Contributor
bobvette
Posts: 78
Registered: ‎02-04-2012

Ch. 7 BK fall off = Point Bump?

Two quick questions, I have a Chapter 7 BK that was filed in 12/02 and discharged in 4/03, first, when should it fall off my reports, and secondly, will I see a score increase?

AMEX BCP $26,600 CSP $12,000 Pen Fed Plat Rewards $12,000 Citi Thank You Preferred $10,500 Chase Freedom $10,000
Delta CU $10,000 Cap 1 X 2 $7,500 AMEX TE $2,000
HSN $1,700 Kohls $1,000 BBRZ $700

Starting Score: EQ-592 TU-606
Current Score: EQ-728 TU-730
Goal Score: 725

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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011

Re: Ch. 7 BK fall off = Point Bump?

Chap 7 should drop off after 10 years...not score about bump......

Established Contributor
aussiesareforever
Posts: 739
Registered: ‎10-04-2010

Re: Ch. 7 BK fall off = Point Bump?

I think it falls off 10 years from the filing date but I will defer to others that are certain

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)


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