So I have 6 months left before I reach the 10 year mark on my BK discharge. I can't tell you how happy I will be to make it past this final hump.
I use my cards and pay in full every month- I have zero debt and about 40k in available credit, though most of the lines are very limited (5k, 4k, 10k on one).
My current Fico8 scores are 755/749/740 Fico 9 are higher 815/800/760 (what's up with Experian??)
Has anyone noticed that credit line increases get better after a BK falls off of your report entirely?
I feel like some (Barclays) have increased while others have been stingy (Capital One).
Search the forums for "early exclusion."
You may be able to get your BK removed from your reports early and boost your scores.