baddies falling off

[Anonymous]

i filed bk 3 yrs ago. i just printed off my reports at annualcreditreport.com and it tells me when the baddies will fall off. does anyone know how that works with a bk. when they fall off will that help my score or not til the bk falls off since there included in the bk?

[llecs]

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@Anonymous wrote:

i filed bk 3 yrs ago. i just printed off my reports at annualcreditreport.com and it tells me when the baddies will fall off. does anyone know how that works with a bk. when they fall off will that help my score or not til the bk falls off since there included in the bk?

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It's my understanding that a TL reporting IIB is dinging your score. As they fall off, you could stand to see a gain, however, at the same time, you are losing your length of history if these IIB accounts are among your oldest reporting. The net result could be a loss, but it all depends on your overall credit. It's aYMMV thing.

[Anonymous]

llecs, thanks for your reply. im not familiar with the abbreviations if you could help me out in what they mean id appreciate it. TL, llb and YMMV.

[MarineVietVet]

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@Anonymous wrote:

llecs, thanks for your reply. im not familiar with the abbreviations if you could help me out in what they mean id appreciate it. TL, llb and YMMV.

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Here is a list of Abbreviations.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

thanks vet