Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR
My BK7 is not due to fall off until 11/2014 but i requested online for early courtesy deletion and i was surprise when the investigation finish the next day that they deleted the BK7 early. I have read somewhere that they will delete if its less than 6 months. I will try experian and equifax next. I'm just happy that its finally over soon, its been a long 10 years. I'm hoping that one more credit bureau will take my BK7 of early because i'm planning to buy a house this year and i need 740 and up to get the best APR per mortgage broker.
Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR
Grats.
I'm expecting similar results in another 22 months when my 13 falls off... if I don't get it removed sooner.
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
Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR
Congratulations. I have 3.5 more years and I cannot wait~!!!!!!!
BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)
Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR
Experian BK7 not on credit report anymore fell off 2 months early.... Current Experian score 805 wow!!!! I can't believe it. I just applied for mortgage loan last Monday and my score is Experian 822, Trans:798, Equifax: 714 BK7 still on the report... I can't believe I'm in the 800 club already...
