Factor in the score after a public record

[CreditBob]

Through my own personal experience I have found that this was a factor for the first four years. It is in regards to after you have filed a bankruptcy or had any other public record on your credit report. After forty eight months that reason risk code goes away. before that I called the credit bureaus & Myfico customer care to which at the time either one had any answer.

LENGTH OF TIME DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT OR TOO RECENT.

[FireMedic1]

This is what I see on a single pull after 4.6 yrs. I'm 2 and a half months away from 5 yrs half way.

What it said after 24 months I dont remember. FWIW.

[CreditBob]

You will still have that showing on your report until it drops off. What I was saying is separate from what you are stating. It is a separate description that comes up.

[FireMedic1]

That what I was saying. At almost 5 yrs. It doesnt say what yours did say. And I dont remeber what it said under 48 months. There is no point gains from an aging BK.  NVM.

[dragontears]

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@FireMedic1 wrote:

This is what I see on a single pull after 4.6 yrs. I'm 2 and a half months away from 5 yrs half way.

What it said after 24 months I dont remember. FWIW.

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That is not a standard reason code format. The OP is referring specifically to the 4 reason codes given for why your score is not higher