I’m aware that it falls off after 10 years, and delinquencies and other negatives, more serious ones, about 7 years…and then we have hard inquiries about 2 years,…and other things..around that time frame, ..however that’s just the fall off dates.

How about…how long these things actually IMPACT your overall credit SCORE, and your chances at obtaining new credit, personal loans or lines of credit, car loans, mortgages, etc?

Will your score recover after a few years…several years, will it take the full 7-10 years and will only recover after it falls off your record….,..

how long do banks and lenders care about it all? etc?

I went bankrupt in 1st quarter 2005, and it’s pretty much coming up to the 5 year mark in 2010, so I’m assuming by NOW that my delinquencies have about a year or two to go…and the bankruptcy another 5,…and other more minor things like inquiries, go much sooner….

so should I start seeing my credit score increase, and more opportunities, or am I blacklisted as long as negative items are on my credit report?

does the actual SCORE count MORE than your credit REPORT…or does the report/history, and what’s ever on it count more than the score?

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