Score dropped 3 points

CreditBob · ‎04-18-2018

Creditor removed account included in chapter 13 bankruptcy. This already had a zero balance. Anyone know why? It is one less trade line included in bankruptcy. Why would the score drop 3 points is the question?

NRB525 · ‎04-19-2018

What are your FICO 8 scores?
This makes a difference, which sort of range you are in.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎04-19-2018

I would say that perhaps your age of accounts were impacted by the account removal?

CreditBob · ‎04-19-2018

I could be wrong, but I was always under the impression that any trade line included in bankruptcy does not get calculated in the history age. This is still an active, open, chapter 13.

CreditBob · ‎04-19-2018

TU 632 & is the only credit bureau where the change was made

EX 641

EQ 666

Anonymous · ‎04-19-2018

You may be right, as I know little to nothing about BKs. I'm sure someone else will stop in here and set things straight.