Starting Score: EQ FICO 777
Well done!
Regarding your question, it's hard to say as unfortunately everyone's is different. The older a derogatory is, the less it counts. Something which might drop you 100+ points on day one, might only be 15 points nearing year 7. Anecdotally I've seen many people with a BK discharged a few years ago who get into the 700's, and even people one year out hit 680+, and one has to figure that a BK is one of the bigger derogatories possible on a credit report, but it is very much YMMV.
In any event, your score will continue to increase over time, but you may see plateaus as to what you can achieve due to the way the algorithm is implemented (age of your negatives, age of your positives too for that matter, and there's probably break points i.e. 32 months is the same as 33 months but may not be the same as 36 months -- 3 year mark, we just don't know for certain). Still the absolute most important thing to focus on is not to get any more derogatory marks, the penalties are just too severe to ever justify it.
In my own case as an example, I have a stupid tax lien and a collection from a few years back. Both resolved but hanging out on EQ: I'll probably get one more bump in July paying down my CC debt, but after that I probably don't get much in the way of increases until my tradelines tick over the one year mark, and then it's going to be a long wait from there for future non-marginal improvements most likely... another six months or a year.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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