Congrats on your CLI! I too am in a similar boat. I don't have a BK reporting, but I have 4 settled and 1 unpaid charge-off on my Experian report. It's been about 4.5 years. They keep denying me for my score being to low (682 is the highest they have said no to). Anyway, I noticed that they stopped mentioning the negative items on my denial letters after those items were 4 years old. Not, they are denying me for a low score, inquiries, and utilization. Anyway, I think they do have set time limits for certain things. I think it's 4 years for derogatory items that aren't a bankruptcy.
Grats on your move on up, impressive considering the BK on file!!
