Credit score in coorelation with negative history & credit app

[pokerpro]

Hello all -

Here is my dilemma - I have a bankruptcy from 2004, but I was fortunate enough to show responsible use since then, and a score of 687 EQ last month. But how deceiving is that really? I am being grouped with people with charge offs/bankruptcies so in relation I am doing well.

But when I apply for credit, am I getting the benefit of a 687 score less than 10% current utilization, or once my bankruptcy is noted then I am looked upon in a whole different light

[Anonymous]

The BK will be noted but you also have has 4 years of good credit. Mostly it will be your score I think. 660 is the borderline to sub-prime and you are higher than that. You should not be denied credit based on that score but will end up paying higher rates.

[pokerpro]

Thanks alot for your insight

good to know that hard work may not go un noticed as I play the 10 year waiting game