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1 year post BK

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whodatnation2
Regular Contributor

1 year post BK

Will i receive a score bump when my BK ages 1 year? What are the ages that you see an increase?


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


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Message 1 of 5
4 REPLIES 4
DebtStinks
Established Contributor

Re: 1 year post BK

If your signature contains your current FICO scores (regardless of model), I wouldn't expect much (if any) of an increase at all with your BK being 1 year old. Frankly, I'm surprised you have scores in the high 7's with your BK at less than 1 year old.

 

Best of luck!

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Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:




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Message 2 of 5
righthererightnow
Frequent Contributor

Re: 1 year post BK

Yep. Will be helped / go higher .. if you have a new card, or tradelines posting.




Message 3 of 5
Remedios
Credit Mentor

Re: 1 year post BK

Scores in OPs signature are not post BK.

They are probably well before BK, but signature never got updated. 

Message 4 of 5
EW800
Valued Contributor

Re: 1 year post BK


@Remedios wrote:

Scores in OPs signature are not post BK.

They are probably well before BK, but signature never got updated. 


I agree!  The scores that the OP is showing do not make sense for having a BK within a year.   

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 5 of 5
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