BK Effects After 2 Years on Score

[ambivalent]

Hi!

IDK if this should be here or over in the bk section, but here is my question. I read somewhere on the 'net that a bk filing doesn't affect your score anymore after 2 years. Is this true? Any experiences? Have you seen a score jump at the 2 year mark? 2 years from filing or discharge? I ask because I just realized it was 2 years ago today that I filed haha.

TY!

[user5387]

This information seems invalid to me.

For one of the more mild derogatories, a 30-day late, this is the rule of thumb, but a BK is another matter.

You can read through some of the back threads here to get a sense of the scoring hit over time for a BK.

[ambivalent]

That's kind of what I thought, but *shrug*, I'll take any point increase I can get! What keywords can I use to get the best results in the search?

[user5387]

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@prettylady wrote:

That's kind of what I thought, but *shrug*, I'll take any point increase I can get! What keywords can I use to get the best results in the search?

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You could start with this Google search:

   site:myfico.com effect bk score

and then adjust search terms, for example "bankruptcy" instead of "bk", and "impact" instead of "effect".

[ambivalent]

TY!!