Understanding FICO® Scoring

[sandman2435]

Would like to know how much my score will go up when BK7 falls of in July of 2013..right now im at lows 700's with all 3 credit reports..I have 0 balance on all credit cards. no or very little debt. AAoA is about 6 years ,oldest account 21 years....Plenty of accounts with more than a 10K limit..any feedback will greatly help

[sandman2435]

Also no baddies as well

[guardsman54672]

Bad news is that BK7 doesn;t drop off CR until after 10 years.

[sandman2435]

July 2013 will be the 10 year mark

[creditnocash]

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sandman2435 wrote:

July 2013 will be the 10 year mark

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oh snap! 

im not sure of the answer but would be nice to know. 

my moms will fall off jan of 14'. (10 years) 

[webhopper]

Depending on if you have inquiries or accounts open within the past year (these can bring your score down)  also the balance on installment loans (high Loan to Original Value)

I would say you should be looking at a score from 750-800  Its really hard to tell without knowing these other factors...

When you pull your FICO score, what are the top factors affecting your score that are listed?

[pizzadude]

Moved to Understanding FICO® Scoring

[sandman2435]

When i pull my scores..it says that i have to many iquires..which is affecting my score..and i have opened up new accounts...I have  no debt whatsoever :-)