https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403236#M79800 <P>I was discharged 3/2018. My scores are all in the 700's now. So, yes, definitely possible. Just keep your utilization low, pay on time and have patience.&nbsp;</P> Tue, 07 Sep 2021 21:12:50 GMT sccredit 2021-09-07T21:12:50Z https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403234#M79799 <P>I've got another 4 years until my Ch7 drops off, and I was wondering if it is possible to hit 700 or more before that happens.<BR /><BR /></P><P>Right now I'm at about 650 average, and for what it's worth, my Fico simulator has me going up to 685 max if some of my debt is paid off. Not sure how accurate it is.</P><P>&nbsp;</P><P>Thanks!</P> Tue, 07 Sep 2021 21:10:35 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403234#M79799 Anonymous 2021-09-07T21:10:35Z https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403236#M79800 <P>I was discharged 3/2018. My scores are all in the 700's now. So, yes, definitely possible. Just keep your utilization low, pay on time and have patience.&nbsp;</P> Tue, 07 Sep 2021 21:12:50 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403236#M79800 sccredit 2021-09-07T21:12:50Z https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403687#M79812 <P>Actually you should be past 700 6 yrs out. Avg is about 3. If you can list your accounts with:</P><P>Name/Credit Line/Balance that would help. Hoping theres no baddies since BK.</P> Wed, 08 Sep 2021 18:46:17 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Ch7-Score-Impact-over-time/m-p/6403687#M79812 FireMedic1 2021-09-08T18:46:17Z