720 By Next May??

[Andy77]

I am hoping I can hit 720 by next May.  I have a Ch 7 bk that was discharged in Sept 2009, no lates since then

My scores are

Real EQ (pulled from EQ site) 548

My Fico 603

TU 650

EX Not sure 

My credit cards are maxed 5350.  I have about 15 INQ, about 7 this year.  I will have all my debt paid off by next May

I have paid already 3k, but this is not reflected in the above scores

Do you think a 720 by next May is possible??

[Revelate]

Hard to say; a lot of derogatories with the way FICO bucketing works tend to put upper ceilings on one's FICO score until they're gone or faded into meaninglessness.

In the case of a 3 year old BK, that's going to be a while probably.  I'd guess somewhere around 700ish is possible, beyond that really depends on everything else in your individual credit profile and what bucket you get dumped into.

[Anonymous]

From my reading, many people with BKs reporting at all generally can't get above the 705-ish area. But I went from the 570s to the 770s in a year, so I'm sure anything is possible.