Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 1,098
Registered: ‎02-03-2009
0

BK fell off EQ today!!! - 70 pt score boost!

My 7/2002 BK fell off my EQ report today. My last EQ Fico was 3/13, and was 703, as of today it is 773!!! Finally, no more BK reporting! It fell off EX last week, but I have no way to get that score. I have been told that TU is last to fall off. I will report back when it does.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 793; TU MyFico: 781; EX (My Fico): 789
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
0

Re: BK fell off EQ today!!! - 70 pt score boost!

I see you have AMEX cards. I thought AMEX did not approve any BK's. Also, did you include them in your BK?


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


Take the FICO Fitness Challenge
Valued Member
Posts: 1,098
Registered: ‎02-03-2009
0

Re: BK fell off EQ today!!! - 70 pt score boost!

[ Edited ]

No, AMEX was not included in my BK.

 

I have 4 AMEX's now ( got first in 2007). I have a 2002 BK. When my Mom passed away, and I called to report this to AMEX and close the account, they allowed me to keep her acct. They sent me a credit app to fill out and send back to transfer the account to my name. This was a Green card. They did do a credit pull, on EX. I am absolutely sure they know of the BK, because it has been cited by AMEX as a reason why I did not receive The top tier interest rate when I received my most recent card (BCP). I can't imagine that they would give me a card based on someone else's credit (my Mom's) when they KNOW that person is deceased, and without considering the credit- worthiness of the individual.

 

I upgraded the Green card to a Gold PR in 2009, rec'd the Delta Gold in 2010, Amexx HH in 2011, and BCP in 2/2012.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 793; TU MyFico: 781; EX (My Fico): 789
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: BK fell off EQ today!!! - 70 pt score boost!

Awesome!

Regular Contributor
Posts: 162
Registered: ‎05-14-2009
0

Re: BK fell off EQ today!!! - 70 pt score boost!

Smiley LOL

great news!


Starting Score: EQ 505 jul09
Current Score: EQ 702 TU 693 EX 692 apr12
Goal Score: 700+


Take the FICO Fitness Challenge
New Member
Posts: 4
Registered: ‎05-30-2012
0

Re: BK fell off EQ today!!! - 70 pt score boost!

Great news and those of us in the same boat can imagine what it feels like.  I am at  707 Fico and am hoping for the same kind of jump when mine falls off in March 2013.

Valued Member
Posts: 1,098
Registered: ‎02-03-2009
0

Re: BK fell off EQ today!!! - 70 pt score boost!

[ Edited ]
So, my BK fell off of TU today, not 70 pts, but not too shabby....from 709 in March to 753 today! Just relieved to finally see all clean reports. Remarks given for why score was not higher are : " too many accts with a balance" (I have two account that I don't use regularly Macy's, & Lowes) that I made small purchases in the last week ($49 and $84) inadvertently report balances. Other reason was " too many new accounts" 3 accts opened in last year ( Nordstrom 8/11, Citi 2/12, and car purchase 2/12). As time goes on, I am sure the TU will rise. Update: Walmart FICO updated, score went from 745 to 790!

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 793; TU MyFico: 781; EX (My Fico): 789
Contributor
Posts: 208
Registered: ‎05-28-2012
0

Re: BK fell off EQ today!!! - 70 pt score boost!

Thats great news. I cant wait to have my report be completely "clean"

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Regular Contributor
Posts: 121
Registered: ‎07-23-2007
0

Re: BK fell off EQ today!!! - 70 pt score boost!

emptypockets . . . Congrats, and thanks for the post.  You have nice CL.  My BK ( will fall next year.  It fell from EX during the end of last year.  BTW, you can pull your EX and get a Vantage Plus Score, which I am sure will be off the charts considering your success. I am strongly considering the AMEX, but no inquiries for the last 4 years so I am researching for the best fit.

 

Keep on the path.

 

HotPoint

 

680 TU 5.2012

682 EQ 5.2012

780 EX 5.2012

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: BK fell off EQ today!!! - 70 pt score boost!

Finally total freedom this!  Congrats! Smiley Very Happy

 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.