What to expect when the 10 years are up?

[Anonymous]

Thank you for the encouraging words.  I'm looking forward to having that removed.  Although life after BK wasn't so difficult, I was able to get a Credit card and several auto loans, it always felt like they were doing me the favor for lending me.  I didn't have the power to shop for the better deals or best APR.  I want the credit cards and lenders to fight for my business, and I don't want to feel greatful just because they approved me with high interest rates.   My current score ranks somewhere between 650 and 685, depending where you look.  I am hoping to get a boost and jump into the 700s.  Looking forward to July when I get an Alert from myfico saying a major change happened to your credit report! Cause for celebration!

[gdale6]

The BK will be removed at end of next month. I would call the CRAs and ask for the early exclusion as others have suggested if granted its gone now. When mine cleared off TU I got a 66 point bump.

[Anonymous]

Update....

I called all 3 CRA's and got zero result.  No one knew what I was talking about when I asked for an early removal.  The good news I found out was that my BK will be removed in June since that would be considered 10 years since I filed in July 2005.  So I guess June 6 will be the day to watch.  I'm curious what will happen. 

Thank you,

Mike

[gdale6]

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@Anonymous wrote:

Update....

I called all 3 CRA's and got zero result.  No one knew what I was talking about when I asked for an early removal.  The good news I found out was that my BK will be removed in June since that would be considered 10 years since I filed in July 2005.  So I guess June 6 will be the day to watch.  I'm curious what will happen. 

Thank you,

Mike

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Hmm, its an early exclusion of the TL. Its different from an early removal. Removal and Exclusion are 2 different things. An exclusion means the item is hidden so it isnt released to anyone requesting a regular credit report. A removal is same as deletion and that means is totally purged from your file. Since its so close here I would wait and see what happens early next month and if deleted grats. If not then call them again asking explicitly for the "Early Exclusion"

[TRC_WA]

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@gdale6 wrote:

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@Anonymous wrote:

Update....

I called all 3 CRA's and got zero result.  No one knew what I was talking about when I asked for an early removal.  The good news I found out was that my BK will be removed in June since that would be considered 10 years since I filed in July 2005.  So I guess June 6 will be the day to watch.  I'm curious what will happen. 

Thank you,

Mike

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Hmm, its an early exclusion of the TL. Its different from an early removal. Removal and Exclusion are 2 different things. An exclusion means the item is hidden so it isnt released to anyone requesting a regular credit report. A removal is same as deletion and that means is totally purged from your file. Since its so close here I would wait and see what happens early next month and if deleted grats. If not then call them again asking explicitly for the "Early Exclusion"

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So am I correct in assuming that based on my 4/1/09 Ch 13 filing date I can get a TU EE on 10/1/15 and EQ/EX on 1/1/16 going by the 6 month/3 month that seems to be pretty common?  But they aren't actually removed until 4/1/16?

[Scupra]

For what it's worth.. When I asked for EE i received result letters stating "this account has been removed etc..."

[Anonymous]

Go on the CA's websites. You can dispute each report and use "too old to report" or "request early deletion". They'll remove early. But I suppose at this point, with only 6 days left anyway, it really is no big deal. I would've been requesting early deletion starting in Dec of last year. Congrats !!!! I've got 9 years into this prison term and I can't wait. Wish I could push a "fast forward" button.

[Anonymous]

Scupra - your BK has already been excluded?!?

[Anonymous]

..........talk of anti-climax.  I checked my Experian credit report today.  My BK is no longer listed or showing, yay! ......yet, my credit score hasn't moved 1 point.  In fact it went down 3 points because a zero balance CC I have just charged me my annual $39.00 fee and suddenly I have a balance on a "dormant" account.  This isn't the trumpet blowing and dove flying I expected when my BK gets removed.  My score is 669, not a single late in 10 years, no collections.  4 of my 7 CC have 0 balance.  Negatives: 10 inquiries because I've been shopping for a mortgage. The 3 credit cards have 87% utilization, but regularly going down.  I have to say, I'm a little disappointed. I was hoping to cross the 700 threshold.  

[Anonymous]

Hold out for a few days.  I had a baddie drop off a few days ago and lo and behold my score went down 3 points.  Then out of nowhere it went up 10 points 4 days later.