What's the highest credit score anyone has reported with a chapter 7 bankruptcy still on reporting?

[Anonymous]

I am counting the day until my medical chapter 7 bankruptcy is eradicated from my credit files.  This should occur supposedly around feb of next year. That being said, my credit score has always been between 670-700. I have never missed a payment since my bankruptcy in 2004, have very low utilization as well as a very solid mix of credit (mortgage, cars, student loans, mixed credit cards, etc). I just have never been able to hit the heralded 720 FICO score even though my bk is over 9 years old. That leads me to believe that although the bk has a much lesser effect on the score, the bucket I am in is the limiting factor perhaps in preventing me from achieving a 720+ score?

[llecs]

I'm not sure on the BK, but I have seen one poster post they had about a 750 with a BK reporting, with a clean report otherwise and a long history pre-BK to back it up. I personally didn't believe his story UNTIL he posted a screenshot. Made me a believer.

[Anonymous]

I am 34 years old and started establishing credit history at 18. That is a 16 year history.  Just wondering what is holding the score back. It's not the utilization, payment history or credit mix. I do have 6 inquiries reporting in my file and that may be it although it hasn't always been that high and my scores have been 670-700. 

[llecs]

If you have 6 inquiries, does that mean you have new accounts reporting within the last year or two?

Is util reporting now under 10%?

I recall the poster I saw had approx a 20 yr history with an AAoA of half of that.

[sal2009]

I have a 729 fico on experian and am a little over 8 yrs post bk 7........hasn't moved but a few points in the past year and a half.....not blemishes other than the bk with several credit cards w/limits up to 20,000 and less than 3% util.