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...the one-year DC anniversary (BK7)? My scores went up the day after DC. They went up again the day after my one-year filing anniversary a couple months ago in April. July 13 will mark one year post-DC, and I'm wondering if a bump up will happen the following day. Anyone know what's what here?
Appreciate any info anyone can share.
@SinCityPaladin, this isn't a direct 1 to 1 comparison, but one year after my Chaper 13 discharge my scores didn't move even a single point.
@Horseshoez Bummer. I figured that might be the case as searches in myFICO and Google didn't yield any useful information. Thanks for chiming in!
@pizza1 wrote:
your scores will go up slightly each year depending on other factors as well like overall utilization, INQ/new accounts, any negatives post DC, etc.. It will not be huge jumps, but you'll see a gradual increase over the years.
I had the same experience. I never got a point jump on any specific anniversary dates. I got a huge jump the day I filed and no gain the day of discharge. Other increases happened at random times.
I've been having huge score bumps recently after months and months of barely increasing that much. I went up 17 points out of nowhere on Experian today. Transunion was a 14 point bump. This was two years after filing. YMMV.