Score limit with BK reporting

[Bankrupt2019]

So I’m assuming that there’s a cap to the maximum score that can be attained with a BK on your file. Does anyone know what this magical, mythical, albeit theoretical number might be?

I’m fresh out of the gates on the bankruptcy just looking to rebuild and get a mortgage in a couple of years. I have a great income, own all of my vehicles and thanks to bankruptcy don’t have any credit card debt, so I have no *need* for credit other than an eventual home purchase.

[Anonymous]

I've never heard of a set maximum but it's going to depend on your existing file, the thickness, age of BK, etc. So many factors. I was on this site a few years ago and many people post BK got in mid 700s only a few years later

[Shooting-For-800]

I think 750 is very possible which should be good enough for about any normal credit request without BK blacklist.

I stay over 700 in Fico 8s with multiple inquiries, new accounts, and 20% or under ultization (0% promos)

[Harriet]

From what I’ve seen here the cap would be 750. I’d be thrilled with that number.

My main concern and goal is a new mortgage. Conventional financing after bankruptcy Is a 4 year wait. 20% for a down payment, hopefully a mid 700 score, I’d love to get a great rate. Seems doable if I work at it.

[FireMedic1]

740's is usually the max. I did touch 751 for a few weeks. Year 2 post DC was 720's. As 4 yrs came on been sitting at 740's since last July. Many factors go into it.Especially oldest account and higher AAoA does a lot.

[Bankrupt2019]

This is promising, do you have a thread anywhere that covers your process to getting where you are today?

[FireMedic1]

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@Bankrupt2019 wrote:
This is promising, do you have a thread anywhere that covers your process to getting where you are today?

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Not really. I was a reader and didn't post much. I took in all that I could and applied it to my rebuild. Every move I made was researched on here so I could be successful and do it right. Now you cant shut me up. I pass it forward now since I've been there done that and enjoy helping others do the same.

[Scupra]

I was never able to pass the 760 mark and tend to hover in the 750's 

[soxfaininfl]

So 750 to 760 is the ceiling for us BKer's. I was wondering this too.