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Equifax dropped BK early

Established Contributor

Equifax dropped BK early

BK to fall off in Aug or Sept  '14 after ten years, recently disouted it with EQ and EX. Just heard from EQ and they removed it. Haven't heard from EX yet

Message 1 of 12
11 REPLIES
Moderator Emerita

Re: Equifax dropped BK early


compassion101 wrote:

BK to fall off in Aug or Sept  '14 after ten years, recently disouted it with EQ and EX. Just heard from EQ and they removed it. Haven't heard from EX yet


 

 

 what was the basis of your dispute?

Message 2 of 12
Frequent Contributor

Re: Equifax dropped BK early


compassion101 wrote:

BK to fall off in Aug or Sept  '14 after ten years, recently disouted it with EQ and EX. Just heard from EQ and they removed it. Haven't heard from EX yet


How did you dispute it with the CRA?

Gardening since 06/01/2016


Message 3 of 12
Established Contributor

Re: Equifax dropped BK early

I pulled my annual credit reports and disputed the BKs. I checked off the boc that has this item has been dimissed/cancelled, etc.

 

It I just found out it is now off my experian and transunion also! Interested to see what difference it makes in my scores.

Message 4 of 12
Senior Contributor

Re: Equifax dropped BK early

It might not make a huge difference. I've read multiple reports that have people gaining a minimal amount of points... Due to the fact the BK is 7-10 years old when it falls off and already had a minimal effect on their score.


2015 Dodge Challenger RT @ 4.49% opened: 1/15 $5k in student loans opened: 3/01 AAoA: 5.5 years
myFICO 5-5-16 EQ: 730 EX: 738 TU: 733 / CC UTI: 32% / Gardening since: 3-25-15
Message 5 of 12
Moderator

Re: Equifax dropped BK early


compassion101 wrote:

I pulled my annual credit reports and disputed the BKs. I checked off the boc that has this item has been dimissed/cancelled, etc.

 

It I just found out it is now off my experian and transunion also! Interested to see what difference it makes in my scores.


Grats to the success Smiley Happy

 

You can look at my siggy for point info TU is only one that has a 9.5 yr old BK reporting the others are clear.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 12
Frequent Contributor

Re: Equifax dropped BK early

Guys I am confused 

 

My BK is due to fall off nov 14 

So just few more months 

Can I actually get it removed now 

BK7 Discharge: October 2004 Starting Score: 590 August 2017 EQ & EX & TU FICO Score: 844 & 847 & 846

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 7 of 12
Established Contributor

Re: Equifax dropped BK early


pokerpro wrote:

Guys I am confused 

 

My BK is due to fall off nov 14 

So just few more months 

Can I actually get it removed now 


You can try. They removed mine after I disputed it at 9 years and 10 months. I've heard of others who have done this. I had also tried around 8.5 years without success.

 

 

Message 8 of 12
Established Contributor

Re: Equifax dropped BK early

It has been reported that the CRAs will remove BKs up to six months early. Naturally YMMV but if I were you, I would request that it be removed. The worst they can do is to say no.

 

I am so jealous of the OP. I can't wait until 2017!!!!!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 9 of 12
Highlighted
Super Contributor

Re: Equifax dropped BK early

My BK dropped early too with an 80+ increase in FICO Score. Every person's CR is different but it sure put a smile on my face Smiley Happy
Starting Score: 807
Current Score: 828
Goal Score: 850


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Message 10 of 12