Now that all of my CR's are clear of the Chapter 7 BK I filed in May 2013, I thought I'd summarize the FICO score increases that resulted.
TU (early exclusion removal in December 2022; 6 months early) - 47 point increase (741 to 788)
EX (early exclusion removal in February 2023; 3 months early) - 52 point increase (745 to 797)
EQ (naturally removed in April 2023; 1 1/2 months early) - 65 point increase (738 to 803)
My experience would suggest a 50+/- point FICO score increase when a Chapter 7 BK is removed. The range is likely due to several factors inclusive of frequent changes in reported account balances, inquires, age of accounts, etc. that may also be updated at the same time as the removal of the BK.
Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
March 2026 EQ FICO 820
March 2026 TU FICO 8 800
March 2026 EX FICO 8 816
AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $32.1K; Cap One QS World MC $25k; Cap One Venture Sign VS $45k; Chase Sapphire Pref $19.5K; Citi Simplicity $17K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $20.1k; Discover It $21.5K; US Bank Shield $25K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC; 2.75% Apr 2022; New Auto July 2017 & June 2024; NFCU LOC $20K
GOAL 835 FICOs on ALL 3 CRs by AUGUST 2026.
AMEX Cash Blue $24.3K; AMEX Lowes Business $14.9K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; Wells Fargo Signify $14K; US Bank Business Triple Cash $10K
