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mnhawkeye77

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Ihad a bankruptcy in 2009 and anything discharged should not be showing up on credit report.
I am trying to understand why my credit score dropped 5 to 6 points when I am making all my payments on time and working on decreasing balances every month. It should be going up.

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Those bills were part of your credit history at the time of your bankruptcy so remain part of said history for 7 years from the date of the bankruptcy since that is "the date oif last activity" on the account.  Don't plan on seeing them vanish until sometime next year.

FYI Bankruptcy does not erase any account from your credit report. It just cancels your obligation to pay that debt and kills your credit for 10 years.

Until the bankruptcy drops off your credit report sometime in 2019, you will not see a huge increase in your credit score.  Keep up the payments because all good reports do add up eventually, especially a gooid history of on-time payments.

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