I have 2 BK's on my report, although they were the same incident (Ch 11 converted to a 7).
The first one will drop off next month, leaving just under 2 years for the second to die.
Do you expect this will raise my score at all? I have 4 credit cards opened, and they are all at 0 balance. I have recently (last 4 months) paid off a car loan and a personal loan. There are no late payments recorded. In fact, the only black eyes on my report are the 2 BK's.
I don't know my Fico now, but a rep from the bank I had the car loan was trying to hook me into another loan, and he said I was at 660.
Thanks for taking the time to consider my situation!