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Established Contributor
compassion101
Posts: 618
Registered: ‎06-06-2012
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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

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09Lexie
Posts: 25,869
Registered: ‎09-13-2012
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Re: Equifax dropped BK early

[ Edited ]

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?

New Contributor
waynes1982
Posts: 138
Registered: ‎04-29-2014
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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?

Established Contributor
compassion101
Posts: 618
Registered: ‎06-06-2012
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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.

Established Contributor
TRC_WA
Posts: 813
Registered: ‎02-08-2014
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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.


Filed BK13: 04-01-09 / Discharged: 05-07-13 / myFICO 10-15-14 EQ: 694 EX: 680 TU: 662
$2000 CapOne QS MC / $2750 CapOne QS MC / $1800 Best Buy / $2200 Barclay Apple Visa / $7500 Care Credit
$2290 Paypal Credit / $650 Chevron / $650 76 / $900 Walmart / $8500 BECU Visa / $20k 3.99% BECU auto loan
$5k 2.1% Navient / $7k 16.98% LClub / CC UTIL: 26% / 2014 INQ: EQ: 0 EX: 0 TU: 2 / Gardening since 10-10-14!
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
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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 :smileyhappy:

 

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.

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Frequent Contributor
pokerpro
Posts: 255
Registered: ‎08-14-2008
0

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 Current EQ & EX & TU FICO Score: 829 & 830 & 826

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

Gardening Since: June 2012 Garden Goal: October 2015

Wish List: Chase Marriot | Amex SPG



Established Contributor
compassion101
Posts: 618
Registered: ‎06-06-2012
0

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.

 

 

Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
0

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 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Senior Contributor
Wanderer
Posts: 4,659
Registered: ‎10-03-2008
0

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 :smileyhappy:

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