Last negative item, no score change

[kforbes862]

Long story short, i've been working on my credit for many years. Last month, bankruptcy fell of of credit reports, raising my scores from all around 720 to 815 currently. At that point, there was only a charged off credit card left as the only negative item, it fell off of Transunion today and no score change at all, still 815. Idefinitley didnt expect no score change at all after it fell off.

[JoeRockhead]

If the CO occurred at, or around the same time as the BK, the BK on your reports would have taken precedent over any other adverse information so you likely got all the points you were going to when the BK fell off... Congratulations on the clean slate.

[SouthJamaica]

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@kforbes862 wrote:

Long story short, i've been working on my credit for many years. Last month, bankruptcy fell of of credit reports, raising my scores from all around 720 to 815 currently. At that point, there was only a charged off credit card left as the only negative item, it fell off of Transunion today and no score change at all, still 815. Idefinitley didnt expect no score change at all after it fell off.

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It's too soon to tell if it will improve your scores.

[CorpCrMgr1]

Has any score change happened?

[Thomas_Thumb]

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@kforbes862 wrote:

Long story short, i've been working on my credit for many years. Last month, bankruptcy fell of of credit reports, raising my scores from all around 720 to 815 currently. At that point, there was only a charged off credit card left as the only negative item, it fell off of Transunion today and no score change at all, still 815. Idefinitley didnt expect no score change at all after it fell off.

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A score of 815 with a CO counting against you seems high. A CO often costs 50 to 60 points if it is the last derog on file. Perhaps the impact of the CO was muted by the BK and subsequently negated when the BK was eliminated.

What did you receive for negative reason statements after your score increased?