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BK Starting to Drop Off (a Little Early)

Tricky3
Valued Member

BK Starting to Drop Off (a Little Early)

My BK was filed June 02 2006 and has been reported properly on all the credit Reporting Companies since that time.  Yesterday I decided to check my score, since I was able to get all my cards I use for business travel paid to zero before their cycle (which is not always easy with expense reports).  On this report check yesterday I see that Experian has dropped my BK early!!  I have read in the past that some people experiance a "drop" in their score after the BK has been dropped.  I am happy to say my score when up!

Experian = 781

TransUnion = 727

Equifax = 719

All three have always been within 10 points of each other through out my checking.  I hope I get  a 50~60 point bump on the other two Smiley Happy

Message 1 of 11
10 REPLIES 10
DaveInAZ
Senior Contributor

Re: BK Starting to Drop Off (a Little Early)

Congratulations! Smiley Happy

.

Only 5 more years for me. Smiley Frustrated Well actually, 4 years and 9 months, but who's counting? Smiley LOL

Message 2 of 11
CAMailman
Frequent Contributor

Re: BK Starting to Drop Off (a Little Early)

Congrats! A good feeling indeed! Smiley Happy

 

I'm waiting for mine 8 years and 11 months (maybe 8 years and 5 months if they do EE) but like Dave said, who's countingSmiley Very Happy

BK7 Filed 3/15, Discharged 6/15

Starting FICO 7/5/15: EQ: 490, TU: 497, EX: 477
Current FICO 3/28/19: EQ: 731, TU: 707, EX: 735

Current Cards my own:
Discover: Opened 11/15, SL: $1,500, Current CL: $6,000
Sears Citi MC: Opened 12/17 SL & Current CL: $5,000

AU on my wife’s cards:
AmEx ED: Current CL: $1,500 (Opened 1/16)
AmEx CMC: Current CL: $22,000 (Opened 11/18)
Chase Freedom Unlimited: Current CL: $11,900 (Opened 4/18)

CitiMortgage, Opened 12/17

My own AmEx Magnet Card, opened 8/20 SL $6,000
Apple Card 12/20 SL $5,000
Message 3 of 11
TRC_WA
Senior Contributor

OPRe: BK Starting to Drop Off (a Little Early)

Grats OP... it's a good feeling.

 

My 13 fell off early last month... a month early of my April 1st, 2016 7 year date.

 

I saw 40-50 pts across the board...

Gardening since: 3-25-15
Message 4 of 11
Scupra
Super Contributor

Re: OPRe: BK Starting to Drop Off (a Little Early)

Awesome news for you! Quite the increase as well Smiley Happy Congrats!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 5 of 11
Tricky3
Valued Member

Re: OPRe: BK Starting to Drop Off (a Little Early)

All reports now have my BK from June 2nd 2006 dropped!

Equifax  = 773 (+54)

Transunion = 780 (+52)

Experian = 784

Message 6 of 11
Creditwiser
Valued Contributor

Re: OPRe: BK Starting to Drop Off (a Little Early)


@Tricky3 wrote:

All reports now have my BK from June 2nd 2006 dropped!

Equifax  = 773 (+54)

Transunion = 780 (+52)

Experian = 784


That is awesome !  Congrats on the end of that era. Smiley Wink

NFCU Visa 25k | Cap1 QS 11K | Cap1 QS 10.5K | Barclay Apple Rwds 9k | Amex AU 20k | Citi AU 10k | Delta Amex 5k | CFNA FS 3200 | VS 1200 | Car Loan 10/14 |
Message 7 of 11
aussiesareforever
Established Contributor

Re: BK Starting to Drop Off (a Little Early)

Congratulations. So envious of you. 19 months to go for me Smiley Happy

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 8 of 11
FocusedAndDetermined
Senior Contributor

Re: OPRe: BK Starting to Drop Off (a Little Early)


@Tricky3 wrote:

All reports now have my BK from June 2nd 2006 dropped!

Equifax  = 773 (+54)

Transunion = 780 (+52)

Experian = 784


A tad late, but CONGRATS!!

Message 9 of 11
1Rebuilding
New Contributor

Re: OPRe: BK Starting to Drop Off (a Little Early)

Awesome!  Experian dropped my 2 negative accounts about 60 days earlier than the other two.

 

I can't wait!!!!  My Chapter 13 should be off this December.

Discharged Chapter 13 late 5/15. Starting my rebuild:
7/28/15 Fico 8: EQ 567-Trans 534-Ex 542-----8/28/15 Fico 8: EQ 632-Trans 622-EX 625
9/25/15 Fico 8 EQ 663-Trans 634-EX 645-----12/9/15 Fico 8: EQ 673-Trans 654-EX 663
2/17/16 Fico 8: EQ 670-Trans 658-EX 676-----3/4/16 Fico 8: EQ 686-Trans 667-EX 686
Message 10 of 11
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