Showing results for 
Search instead for 
Did you mean: 

From BK 2003 on my way to 800 club

Valued Contributor

Re: From BK 2003 on my way to 800 club

Cjmmm wrote:
Is there a typical amount of points that your credit raises when the BK drops off? Mine was discharged 10/03, so I'm assuming it'll drop off this October?

It could increase or decrease depending on your credit history.  Many have said that they seen a dramatic increase, and others say that there was a decrease because they were rebucketed.  Meaning that now they are being scored against others with the same credit history instead of with bk'ers.  So it just depends on how well you have built your credit up and how old your credit history is.  So there is no set amount of points you will or will not get.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 11 of 13
Frequent Contributor

Re: From BK 2003 on my way to 800 club

Has it dropped from your credit reports?  You said early 2003 but didn't specify month so just curious.  I still have 2 years, 9 months to go on mine.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 12 of 13
Established Member

Re: From BK 2003 on my way to 800 club

Yes it has dropped from my reports.
Message 13 of 13