Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 321
Registered: ‎05-07-2014
0 Kudos

BK - 7.5 years old now

Hey Guys,


My BK was filed in Oct. 2008 and discharged in January of 2009. Is it true that I could be able to request that they are taken off the credit reports 6 months before the 10 year discharge mark? The nightmare is almost over and i'm dying to app for and receive a Ritz Carlton card! It's my last and final goal besides to obtain an 800 score which I think will happen once they are remonved.


Any help would b greatly appreciated.



EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009
Valued Contributor
Posts: 1,490
Registered: ‎07-13-2016
0 Kudos

Re: BK - 7.5 years old now

If I were you, I'd definitely try! 

From what I've read, TU is the most lenient. Some have had success at 6 months. 

As for EX and EQ, I've seen success at 90 to 30 days. 


Keep us us posted on your results! 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.