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how much will my score go up when BK7 Falls of in July of 2013?

Established Contributor

how much will my score go up when BK7 Falls of in July of 2013?

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

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Established Contributor

Re: how much will my score go up when BK7 Falls of in July of 2013?

Also no baddies as well

Re: how much will my score go up when BK7 Falls of in July of 2013?

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

Established Contributor

Re: how much will my score go up when BK7 Falls of in July of 2013?

July 2013 will be the 10 year mark

Valued Contributor

Re: how much will my score go up when BK7 Falls of in July of 2013?


sandman2435 wrote:

July 2013 will be the 10 year mark


oh snap! 

 

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

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

 

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Moderator Emeritus

Re: how much will my score go up when BK7 Falls of in July of 2013?

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?


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Re: how much will my score go up when BK7 Falls of in July of 2013?

Moved to Understanding FICO® Scoring
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor

Re: how much will my score go up when BK7 Falls of in July of 2013?

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 :-)