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Regular Contributor
Posts: 153
Registered: ‎10-05-2008

Repo and bk due to be removed

I have a repo due to be removed Dec 2012 and a bk in Jan 2013. Will my score increase when these are gone and approx how much?
Valued Contributor
Posts: 1,548
Registered: ‎08-30-2012

Re: Repo and bk due to be removed

Maybe some increase. You should go ahead and get a couple of secured cc's to start rebuilding now.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Regular Contributor
Posts: 153
Registered: ‎10-05-2008

Re: Repo and bk due to be removed

I do have one cc (mastercard) x1 year, no lates. Haven't had any luck being approved for another. I am hoping for a significant increase when those 2 accounts are removed.
Posts: 13,897
Registered: ‎04-15-2011

Re: Repo and bk due to be removed

Are those the only negatives on your account?  If so, then yes, you will have a significant increase.  However you will have a thin file.  You do need to add some positive TLs to your CR.   

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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