@prosario69 wrote:
Can someone tell me what early exclusion in bk is? Does it apply to both types or just 13?
Both...
A discharged Ch 13 stays for 7 years... Ch 7 for 10 years.
CRAs have been known to delete early (exclusion) on request... TU 6 months early... EQ and EX 1-3 months early.
My file date was 4/1/09... TU shows a removal date of 3/2016... so 6 months early would be next week. I'll be putting in the request.
Will do the same on December 1st for EQ and EX.
Of the 3 CRAs.. TU is the easiest... EQ is the most difficult. I'm actually expecting to be waiting till the very end with EQ... which is fine either way.
Counting down the months... My scores with the Ch 13 and IIB accounts still reporting are in the 670's. I'm expecting a boost well into the 700's when everything falls off...
RE: OP
Ahh, so a few things to avoid..
1) Applying for a lot of cards
2) Combining accounts, closing your oldest cards and combining them with more recently opened cards.
3) Having a high util%
4) Getting store cards.
5) Not paying your bills on time.
6) Combining all your student loans into one loan. (IE closing the oldest loans and making a brand new one out of them)
Am I forgetting anything?
1. Depends on what your definition of a lot. I have added approximately 10 new cards in the past year. For me that is a lot but others such as Ron or CA would say it is not.
2. Combining Accts. Would agree if the accts you are combining are your oldest accts but in some cases it makes sense to combine. (case by case basis)
3. Having a high util%. AGREE 100%
4. Getting Store Cards. A few store cards will not hurt your profile. I have 3 or 4 out of 25+ accts. I advise only getting store cards you will actually use.
5. Not paying bills on time. AGREE 100%. This is a BIGGIE.
6. Combining student loans into one acct. DISAGREE. It usually makes sense to do so as you are lowering your monthly payment and also you can often times lower your APR. I did this with my student loans and did not see any reduction in my scores.
My scores were in the low 500s 33 months ago. I am now avg 700 FICO.
@Taoron wrote:Ahh, so a few things to avoid..
1) Applying for a lot of cards
2) Combining accounts, closing your oldest cards and combining them with more recently opened cards.
3) Having a high util%
4) Getting store cards.
5) Not paying your bills on time.
6) Combining all your student loans into one loan. (IE closing the oldest loans and making a brand new one out of them)
Am I forgetting anything?
The closed old account will remain on your report and impact AAoA still. Combining accounts shouldn't hurt you 
Hello,
What happens with early exclusion? I filed ch 7 and was discharged in 11/2013. How does that affect your score?
Starting Score: 633