What to expect?

[Anonymous]

BK files 2/99 discharged 5/99. Experian deleted but EQ and TU still showing. When should the other two come off and how should that affect scores? I have 2 mortgages for the last 6 years with no lates. American Express 2 cards 5 years no lates, 2 auto loans, BMW and honda no lates and 5 other credit cards 7 years no lates or no balances. No lates since BK in feb 1999. Appreciate opinions forthcoming.

12/23/08

Fico transunion 696

Fico equifax 680

Fico experian 677

[Junejer]

You'll be rebucketed, so don't be surprised if there might be a slight decrease at first, before getting an increase. Without more information (particularly about the CCs--balances, CLs, etc.), it's hard to say how many points you might or might not receive.

[Anonymous]

If you have no lates on your report (the one from 99 should have legally dropped off - you might want to looking into calling on that one if it stays on your report), you could have a very nice score.

What is your current utility (percentage of your credit limits utilized)?