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So, I'm in the tail end of the 10-year wait post-BK7, filed in 2005. My FICO 04 scores were well in the 700s until a funny thing happened at the 7-year mark. As soon as all my IIB accounts dropped off a CR.. I lost 40-60 pts off that particular FICO. In other words I got bumped from the "PR+Major Derog" scorecard over to the "PR+0 Major Derog" scorecard. Based on tons of experimentation it seems there's a ceiling right around 700 (assuming all else is perfect) for this scorecard. It just happens that I have an old, miscoded derog on TU... way past the 48-month mark but still hanging around... and my TU FICO is **70** points higher than the rest as a result. So. I need creative ideas. How can I add a 5-6-7 year old baddie while still maintaining control of that account? Very big cookie to anyone who comes up with the answer! Thanks!
