A friend of mine has had a BK in 2003. Since then she had one account. It was a Capital One credit card that charged off in 2004. She checked her score about a year ago and it was about 600 (EX). She is planning on checking her scores next month and maybe start the GW process. What should she expect? Would she have a very low score because that the only activity is the Crap One, or would her score become relatively good because of the passage of time. I know time heals all scores. And inactivity may hurt scores.