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Early Exclusion for BK Please? Check here... Yes? No? Maybe??

Frequent Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??


juniebrunner wrote:

PhoenixRising71 wrote:

I filed 2/21/2011 and it was to fall off in Feb of next year. I'm actually greater than 6 mos out, but that old Transunion came through for me! Someone must have had a great day today! Smiley Wink


hmmmm, note to self, tap TU in january about an EE on my BK13 that is due to fall off 9/18

 

congrats!


Ditto!

 

Mine are due to fall off August 2018.  I will definitely be doing an EE with TU in January!

 

Congrats to the OP!  That's fantastic!

Message 11 of 29
Member

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

Do you mind sharing the letter you sent @PhoenixRising71

gardening until January 2018
Message 12 of 29
Regular Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??


mpayne wrote:
Do you mind sharing the letter you sent @PhoenixRising71

I did an online dispute and stated in two sentences that "I am not disputing the BK. I am simply asking for Early Exclusion." Respectfully, ...  AND it happened in less than 24 hours.




 

Message 13 of 29
Frequent Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

I'm going to try this!  My BK is due to fall off in July 2018.  Can't hurt right?  

 

EQ on the other-hand is still reporting a Ch7, which was what we originally filed then converted to Ch13.  I filed a dispute on 5/26 and never got any response for me or DH.  Checked a week ago and it still says pending.  Called and the girl was completely dense.  Had to argue that I had attached my BK13 DC paperwork in the dispute!!!  She said she has to get it from the county clerk.  She suggested I call and ask the clerk to remove it, which I did.  Clerk said they don't provide anything to the CRA.  Round & round we go....  

 

got out an email Monday that my 2nd dispute was resolved but it seems their site has been down for days.  Ugh!!!

RBFCU Premier $25K, Navy GoRewards $10K, PenFed Power Cash $7K, PenFed PLOC $10k, Sams club MC $3.8K, SMG $4K, PenFed Promise $2.5K, Total Rewards $1.5K, Discover It $800, Cap One QS1 $750, Overstock $10.1K
DC BK13 3/17....TU clean due to EE as of 12/17!
Message 14 of 29
Regular Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??


Jlgab345 wrote:

I'm going to try this!  My BK is due to fall off in July 2018.  Can't hurt right?  

 

EQ on the other-hand is still reporting a Ch7, which was what we originally filed then converted to Ch13.  I filed a dispute on 5/26 and never got any response for me or DH.  Checked a week ago and it still says pending.  Called and the girl was completely dense.  Had to argue that I had attached my BK13 DC paperwork in the dispute!!!  She said she has to get it from the county clerk.  She suggested I call and ask the clerk to remove it, which I did.  Clerk said they don't provide anything to the CRA.  Round & round we go....  

 

got out an email Monday that my 2nd dispute was resolved but it seems their site has been down for days.  Ugh!!!


It will happen. Be patient. I say that and I'm like hurry the heck up! 

They told me that my dismissed BK13 was going to stay on for another 3 years post my actual BK13 removal. I applied and then had to reapply for the BK bc of no work. I stated to them they needed to stop saying "BK 7" as my BK was a CH 13 which was listed on my Eq report. But they remained adamant about it being there for another 3 years. A few days passed and it was gone!

 

I hear they remove a month before its actually due to fall off. That would push me to Jan 2018. I'm asking every month via phone and online dispute until it is removed. It may happen if I remain persistent.The only issue I hate is having to speak to somone in Bangladesh about my USA BK. That part sucks!

Message 15 of 29
Established Member

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

TRANSUNIO 6 months out they will delete no problem called 8/01 and was deleted the same day. called experian yesterday they only deleted one and bk must report to the 7 year no EE for bk. Equifax same 2-3 months out deleted 6 for EE for me Im almost doneSmiley Surprised filed BK 13 Feb 2011.

 

TRANSUNION now clean

Experian 2 baddies will fall off next month +bk13 clean by OCT

Equifax 2 baddies will fall off next month they said Bk13 will stay for 10 years will see theres no many experts here to get advice It will come off

Message 16 of 29
Frequent Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

So EQ finally fixed my BK type from 7 to 13. 13 falls off after 7 years, so definitely want that reported accurately. I submitted an EE request with TU along with disputes for three IIB accounts with Chase that were showing as late and no mention of IIB. They responded within 24 hours. No EE on BK (will try again 6 mo out) but they did delete the three Chase accounts completely! I need to check my other reports to see if any are showing late.
RBFCU Premier $25K, Navy GoRewards $10K, PenFed Power Cash $7K, PenFed PLOC $10k, Sams club MC $3.8K, SMG $4K, PenFed Promise $2.5K, Total Rewards $1.5K, Discover It $800, Cap One QS1 $750, Overstock $10.1K
DC BK13 3/17....TU clean due to EE as of 12/17!
Message 17 of 29
Valued Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

Congrats! I can't wait......mine are due to fall off 5-2019. I will start attempting EE Dec 2018. 

AMEX DELTA PLAT & SPG | PenFed PR | NFCU FS | Discover IT | CAP1 QS & VENTURE | LOWES l Barclays AVIATOR
Message 18 of 29
Community Leader
Super Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

Congrats on getting them to do EE way earlier than they usually do! What a nice feeling to see it gone!
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 19 of 29
Regular Contributor

Re: Early Exclusion for BK Please? Check here... Yes? No? Maybe??

Still no EE from Equifax. I have requested it online 3 times and by phone once. 

 

Does anyone have any information on how to possibly get it removed?  Due to fall off Feb 2018. Experian removed it soon after I requested. TU about 7 months before...

 

 

Message 20 of 29