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BK Deleted... Effects?

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Hey Guys/Gals!! Recently I read that someone disputed their bankrupcty on the CRA and it was deleted by some and not by others. I followed what they did and disputed with Equifax and Experian. I got my results today from Equifax and they deleted it.. How big of an overall impact will this make on my credit? It wasn't deleted from Experian, and I haven't tried transunion yet.

 

Thanks

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Depends on many factors:

 

Average Age of Accounts

Number of Accounts

Overall length of credit history

Utilization on existing revolving credit

Lates/charge-offs/collections/etc (other baddies)

 

Was this your last baddie? If so, you might want to pull your EQ from MyFICO and see where you're at.

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i have to ask..how did you get BK removed from the report?

 

 

AAoC was is 18mo

Have 5 opened on Equifax one closed..

Current reported Utilization is like 85%

No other baddies..

Have 31 inquiries

 

And how did I remove it from my report .. I simply disputed it. Didn't work that easy with Experian. But I'm researching other methods.. and I'm also going to try TransUnion.

 

Myfico score the other day was 631 and I just purchased it and its a 648! I can't wait till my cards update and my utilization is almost at 30% and myfico says I have a baddie but it doesn't appear on my Equifax report... Hum.. Wierd

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