So, I'm kind of getting the itch to see what my scores will be like when my Chapter 13 falls off my reports between now and January 2022.
Based upon what I've read here (assuming I'm also fully comprehending what I'm reading), I'll probably end up on one of the clean score cards once the bankruptcy is gone, however, given both age and size of file factor in on which of the score cards.
- EQ: Oldest account 18-years, 11-months -- AAoA 7-years, 8-months
- EX: Oldest account 18-years, 11-months -- AAoA 6-years, 0-months
- TU: Oldest account 13-years, 9-months -- AAoA 5-years, 4-months
My credit reports are basically devoid of any derogative comments except the Public Record for the Chapter 13 and then my wife's auto loan (which I was apparently on as well and didn't know it) which is marked as IIB but which never had a late payment and has since been paid in full and closed. Correct me if I'm wrong, but I am assuming the IIB notation on the auto loan will drop off as well come next January.
So, with all of the above information, can I assume I'll get rebucketed onto a clean score card?
