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1st iib account dropped 6 years post BK7! Feeling good!!!

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Anonymous
Not applicable
‎04-04-2021 09:25 AM
‎04-04-2021 09:25 AM

1st iib account dropped 6 years post BK7! Feeling good!!!

I got several alerts from Credit Karma, WalletHub, Mint, etc this morning... that one of my iib accounts has dropped off my credit reports! This made my morning feeling good!

 

Although, I was under impression that iib accounts starts to fall off 7 years post BK7...nevertheless I'm happy!

 

BK7 filed 3/15, discharged 6/15 if that answers your question(s).

Message 1 of 6
5 REPLIES 5
AllZero
Mega Contributor
‎04-04-2021 09:33 AM
‎04-04-2021 09:33 AM

Re: 1st iib account dropped 6 years post BK7! Feeling good!!!

Congratulations on your success!
Message 2 of 6
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Anonymous
Not applicable
‎04-04-2021 09:57 AM
‎04-04-2021 09:57 AM

Re: 1st iib account dropped 6 years post BK7! Feeling good!!!

Congrats

Message 3 of 6
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coreyb80
Super Contributor
‎04-04-2021 01:34 PM
‎04-04-2021 01:34 PM

Re: 1st iib account dropped 6 years post BK7! Feeling good!!!

Congrats and much continued success to you!

Message 4 of 6
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chalupaman
Super Contributor
‎04-05-2021 09:09 AM
‎04-05-2021 09:09 AM

Re: 1st iib account dropped 6 years post BK7! Feeling good!!!

Excellent work! Smiley Happy

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 5 of 6
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angelofmusic86
Frequent Contributor
‎04-05-2021 09:47 AM
‎04-05-2021 09:47 AM

Re: 1st iib account dropped 6 years post BK7! Feeling good!!!

Congrats!

 

I think they fall off 7 years past date of first delinquency.  So in my case, I'd have things fall off in 2026 since I charged off in 2019.

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: Kohl's $3,000; CapitalOne QS $0AF $3,600; CreditOne Rewards $700; CapitalOne Walmart MC $3,000; Overdraft Line $250; PenFed PCR $10,000; Kemba Visa $3,500; CreditOne $0AF AMEX $1,500; Target RedCard $1,200; paid off reaffirmed car loan!; Wells Fargo Active Cash $1,500; Comenity Ultamate Rewards MC $4,250; CapitalOne Savor One $3,000; Amazon Store Card $3,600; CareCredit $7,400; Synchrony TJ Maxx Mastercard $3,500; Well's Fargo Reflect Visa $3,500; Levin Furniture $7,400
Gardening until December 2023.
Message 6 of 6
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