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Repo and bk due to be removed

Regular Contributor

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?
Message 1 of 4
3 REPLIES
Valued Contributor

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.
Scores: about 700 across the board
Total CL: $275k
Message 2 of 4
Highlighted
Regular Contributor

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.
Message 3 of 4
Moderator Emeritus

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4