Has anyone had any luck?

andersk08 · ‎09-12-2014

Has anyone had any luck getting "discharged in bankruptcy" items removed from their credit report early? Thanks

Starting Scores: ( 9-9-14 )
Equifax FICO - 507 TransUnion FICO - 580 Experian FICO - 535
Current Scores: (10-08-14)
Equifax FICO - 552 TransUnion FICO - 639 Experian FICO - 609
ALL pulled from MyFico 3 Bureau Monitoring
Goal Score - 650 Across the board ( For Starters )

pizza1 · ‎09-15-2014

I don't believe so. Now I've heard a few people say that between 3-5 yrs that some of the trade lines just mysteriously fell off, probably due to the creditors cleaning up files or archiving. Those trade lines will stay on your reports 7-7.5 years from DOFD. I have 5 more years tell all 22 of my IIB tradelines fall off. It's a long process

TRC_WA · ‎09-15-2014

19 months to go till April 2016 when everything including the public record falls off... I'll probably see about early removal with 6 months to go.

On the homestretch...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24