Bankruptcy and High Score?

[CreditDrama85]

maybe someone can explain to me why it is possible for some with bankruptcy to have a higher score than someone who hasn't filed bankrupcty but has a few derogs? granted manual review will always be a factor but this seems backwards. 

[Nwhit04]

In my opinion, because some have filed bankruptcy they have cleared the more derogatory marks to have just 1 Mark and depending on how the creditors look at the bankruptcy is why they will be considered for credit.

[CreditDrama85]

i guess i can see that as an explanation. a BK is one major derog as opposed to scattered derogs on a report

[AndySoCal]

A factor that needs to be considered is when the derogatory information occured. If the backruptcy occured 8 years ago on one report and the other report has account an account currently late place a recent collection then yes the score for the BK report could be higher. FICO also considers when the derogatory information occured.