After viewing my latest CR's it seems as if every negative has finally dropped from all my credit reports. Nothing is left as the 7 year period is over finally. So I just have an empty BK folder and a paid for state tax lien. BK is 7 years old and the state lien is 5 since satisfied. How much effect do they now have on my scores and have they lessened over time? I am still trying to get my head around this. anyone have any idea how they factor the age of these two negatives into scoring. I don't imagine I will get much score increase the day they drop from my reports.
Tuscani wrote:What are your current scores?
EQ...680 EX...690 TU...690