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Are both cards reporting a $0 balance on your report?
If yes
Try to leave a small balance on 1 card between 1% - 9%.
That BK will certainly hold your score down until it is removed.
I am in a similar situation. I filed BK eight years ago, and I started monitoring my score two years ago. My EQ is stuck at 714 and TU went from 707 to 711 during that two year period. During these last two years I have paid back $50,000 in student loans and my scores won't budge.
@WhiskersTheCat wrote:I am in a similar situation. I filed BK eight years ago, and I started monitoring my score two years ago. My EQ is stuck at 714 and TU went from 707 to 711 during that two year period. During these last two years I have paid back $50,000 in student loans and my scores won't budge.
The higher your score the harder it is for bumps. Once the BK is removed it will move up.
You have not disclosed, do you have other late payments, charge offs, or collecitons?