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Ch. 7 BK fall off = Point Bump?

Contributor

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

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

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

Message 2 of 3
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Established Contributor

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 January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 827 Transunion 828-- Feb 2018
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