Joe77 wrote:Had a bankruptcy, filed in Oct. 05, discharged in Feb. 06. On my EQ and TU from myfico, under public records it says "1" public record "1 year ago" although technically, it's closer to 2 years now, but still under 2. If they're calculating on a year-to-year basis, will I see a noticeable jump in FICO once I reach the 2-year mark? 3-year mark? Etc?