First Post! Question About Bankruptcy and How it Affects My Score

[nikkilove]

Hello Everyone!

First, this site is amazing. I will be doing a full post soon, because I need a lot of help. My credit is terrible, and years of severe depression have really made my financial life a mess. But...that said, this site is very inspiring, and I hope I can soon join the garden club!

Quick question, I have a BK from 2003, which I am guessing will drop off in August. How will that affect my score? 

Thanks everyone!

Nikki

[asphaltcowboy]

Hi Nikki,

Congrats on the almost ready to fall off BK, I just read a post on the bankruptcy forum in regards to your question,

one of the mods said that he has seen from low double digits to 100+ after fall off.

Welcome to the forum and best of luck to you, see ya in the garden

You may find more helpful answers in the BK forum

http://ficoforums.myfico.com/t5/Bankruptcy/When-Bankruptcy-Falls-Off-Report/td-p/2233659

[guiness56]

Has all of the associated debt IIB already dropped off and is the BK the last negative you have?