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BK's age off based on date of filing rather than discharge.
So CH 7's will report for about ten years from filing date.
My chapter 7 was filed on 2-1-03 and has fallen off my experian fako, equifax fako and credit karma (transunion fako). Does this mean they are definatly off my true fico reports?
@dabrian wrote:My chapter 7 was filed on 2-1-03 and has fallen off my experian fako, equifax fako and credit karma (transunion fako). Does this mean they are definatly off my true fico reports?
Yes. All those sites pull your REAL credit report to give you a FAKE credit score. Technically, the credit scores aren't fake. Just usually unhelpful.
Congratuations. Pull your credit report on this site and let us know how much of a score bump you got.
TY. I'm gonna pull my reports as soon as my util updates after the first of the month. Bankruptcy gone plus util going from 35% to 1%.
I wanted to bump up this thread to see if there is anyone with recent experience to see what the impact on FICO scores were for having a BK drop off your CR. Veterans, please post!
My FICO score increased almost 100 pts from 736 to 835 the day my bankruptcy fell off.