BK and Your FICO Score

[smallfry]

Anyone ever lose points for a BK dropping once it has run its full course? Assume no report changes other than that. How does a BK count towards age of your report if it is not included in your total number of accounts or in your AAofA?

[XAVIERSMAMA]

I think this means you've been "re-bucketed".  When you have the BK your being compared to other people who have serious derogs, but when the BK disappears you are put into the bucket with people who don't have any derogs.  So your report looked better compared to the other people who also had a serious derog when you had the BK so your score was higher, now you're being compared to another grouping so your score might drop a little.  Does that make sense?  I'm still new here but with what I've learned so far, I think that's what's going on.

[Anonymous]

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@smallfry wrote:
Anyone ever lose points for a BK dropping once it has run its full course? Assume no report changes other than that. How does a BK count towards age of your report if it is not included in your total number of accounts or in your AAofA?

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If that was the last derog the calculation was moved to a postive scoring bucket. That could account for it, smallfry.

[smallfry]

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@Anonymous wrote:

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@smallfry wrote:
Anyone ever lose points for a BK dropping once it has run its full course? Assume no report changes other than that. How does a BK count towards age of your report if it is not included in your total number of accounts or in your AAofA?

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If that was the last derog the calculation was moved to a postive scoring bucket. That could account for it, smallfry.

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Mine hasn't dropped yet but judging by my current scores and what the AAofA will be once it does drop I cannot see a score drop.