Established Contributor
Posts: 844
Registered: ‎10-02-2007



My best friend filed for BK about 9.5 years ago.  He has paid on time over that time and his credit scores are just over 700.

When we talk about my fico score and the fact that my BK was dischared in Sept 2009 he laughs and says you won't be over 700 for a long long time


Do you think that the scoring models have changed over the years and due to this someone can be well over 700 and have a bk that is dischared only a few years ago vs. how it used to be 9.5 years ago when my friend filed for bk?