Point increase after Bankruptcy falls off??

[Thomas_Thumb]

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@ficoqueen wrote:

Thank you, I just tried this and it worked for two out of the 3. EQ is making me wait. I only have 3 more months before it falls off but the other two went up nearly 80points and transunion was almost instantly removed like you said! 

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Nice work. A nominal 80 point gain is rather typical but can be half that depending on file specifics as mentioned by @FireMedic1 .

[user1200988]

Wow, scores go up that far 10 years later? A lot of filers rebuild their credit over those ten years and have scores well into the 700s. Going up 80 points can take them into the 800s. That is crazy. 

[masscredit]

Building off of this question, points gradually increase as time goes on and the credit profiles are rebuilt. How about after the baddies fall off at 7 years? I still have 18 months to go for that but an planning on trying for EEs a few months before the 7 year mark. What should I expect after those fall off? And then it will be 3 more years to the finish line! 

[Thomas_Thumb]

In the 2010s liens were part of credit reports. Their presence on file could hurt score 80-100 points. One of our members had scores in the high 750s. 

When his lien dropped off one Fico 8 score went straight to 850 and another (with a HP on file) went to 845. He had a lengthy credit history with multiple open loans, 3 cards, low revolving utilization and no accounts under 12 months age.

Score change is influenced by file specifics. There are multiple clean scorecards available to transition to from a given dirty scorecard. Where a now clean file lands depends on its accounts and their reporting details.

[Have1]

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@masscredit wrote:

Building off of this question, points gradually increase as time goes on and the credit profiles are rebuilt. How about after the baddies fall off at 7 years? I still have 18 months to go for that but an planning on trying for EEs a few months before the 7 year mark. What should I expect after those fall off? And then it will be 3 more years to the finish line! 

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My score changes when my last IIB account fell off were:

Experian              F8 +57, F9 +42.

Equifax                 F8 +25, F9 +77. 

Transunion          F8 +54, F9 +65.