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Help predict my score

Frequent Contributor

Help predict my score

So I have a bk in 08. I have about 6 baddies that are listed as part of that on top of the bk itself being listed.  THis May two will fall off. Will it go up alot? At the end of the year most of the bad accounts for the bk will fall off but bk itself will still be there. Will it go up a ton? aoaa will stay the same.

3 REPLIES
Frequent Contributor

Re: Help predict my score

probably not much, if at all.  usually 2/8 baddies being removed wont do much.  When you get down from 8 to 3 and then to 1 then to 0 , youll see decent increases



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


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Frequent Contributor

Re: Help predict my score

Ah, but I just realized, these two are HSBC. That means that, even though they are part of my bk and should be listed as zero balance, they are listed as charged off. HSBC sells the debt before you actually file and they dont report it as bk as they should.

 

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Epic Contributor

Re: Help predict my score