When to expect a transition to a clean score card?

Horseshoez — Mon, 05 Jul 2021 14:45:52 GMT

So, I'm kind of getting the itch to see what my scores will be like when my Chapter 13 falls off my reports between now and January 2022.

Based upon what I've read here (assuming I'm also fully comprehending what I'm reading), I'll probably end up on one of the clean score cards once the bankruptcy is gone, however, given both age and size of file factor in on which of the score cards.

EQ: Oldest account 18-years, 11-months -- AAoA 7-years, 8-months
EX: Oldest account 18-years, 11-months -- AAoA 6-years, 0-months
TU: Oldest account 13-years, 9-months -- AAoA 5-years, 4-months

My credit reports are basically devoid of any derogative comments except the Public Record for the Chapter 13 and then my wife's auto loan (which I was apparently on as well and didn't know it) which is marked as IIB but which never had a late payment and has since been paid in full and closed. Correct me if I'm wrong, but I am assuming the IIB notation on the auto loan will drop off as well come next January.

So, with all of the above information, can I assume I'll get rebucketed onto a clean score card?

Re: When to expect a transition to a clean score card?

Anonymous — Sun, 18 Jul 2021 23:46:08 GMT

It will depend on the number of TLs at each CRA when it drops and also the age & types of your youngest accounts to predict this.

topic When to expect a transition to a clean score card? in Understanding FICO® Scoring

When to expect a transition to a clean score card?

Re: When to expect a transition to a clean score card?