BK7 FINALLY GONE!!!!🎉🎉🎉

[Anonymous]

Congrats! Nice score jump for you.  And how did you apply for a mortgage by accident   You must have had a very proactive loan officer!!  

My Ch 7 BK (joint with my hubby) discharged 11-28-2008 so we are at 7 years now.  I assumed it would stay on for 10 years but I'm intrigued you got yours removed from one CRA by just asking.  Any tips you can share?  Thank you!

[Anonymous]

Around the same time that I'd gotten approved for my 2nd store card, I decided to check my credit store. I signed up at lending tree (not knowing at the time that it wasn't a real score). Shortly after that, I got a pre approved offer from quicken. Still not believing that I'd get approved, I applied (mid score came back at 676). I ended up closing with a different broker and lender but, it was the initial push from quicken via lending tree that started things. Within 3 mos, I went from being in my rental to closing on my house!!!

as for the BK7 removal tips... TU was the easiest. I just called and asked after reading other succes stories here (@9yr 5mos was removed). Exp, fell off on its own @9 yrs 7 mos. EQ took the longest, falling off (on its own) @9yrs 11 mos. 

[Anonymous]

Great story on how you got approved for your mortgage!     When I get a little closer to the 10 year mark, I will see if I can't get the BK removed from the reports.