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momogranny

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credit before bankruptcy
Why does credit score not include things prior to bankruptcy . I paid several cars off and sold a home but none of that shows because its prior to bankruptcy. I once had excellent credit

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When someone does a credit check, they look at the past 7 (occasionally 10) years credit activity.  While you may have had excellent credit before (many who file bankruptcy do) the bankruptcy indicates there was some unpleasant change in your ability to repay debts. Creditors want to be assured they will get repaid and a bankruptcy raises serious doubt.   

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