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Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

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04Cobra
Frequent Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

Congrats! A little over 5 years left for me

Discover $21k | Venture $20k | Quicksilver $15k | NICU Rewards MC $13.5k | Costco $14.5k | Citi Costco $12.5k | Chase Sapphire Reserve $10k | Barclay Apple $9.6k | Best Buy MC $10k | Merrick Bank Visa (formerly Hooters) $2.6k |
Message 11 of 18
Creditwiser
Valued Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

9 for me Smiley Sad  But thats okay.  Those 9 years will pass either way, Its what I do with them that matters.  Its all good. Keep up the good fight and never look back.

 

Congrats to you and keep those scores up !

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Message 12 of 18
Man-Of-Steel
Established Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

Congrats!  I have a little over 2 months left for TU and EQ.

Message 13 of 18
pokerpro
Frequent Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

hey what are your precise filing dates showing on the CR

 

epecially that you and I both now only have TU & EQ left

 

my dates are 11/1 & 11/11 respectively

 

 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

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

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 14 of 18
jeffrey930
Established Member

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

11/18/2004... I only have equifax showing the Bk7... I tried calling 2 weeks ago to removed it early and the guy said there's no option in his computer to do it... I'll just wait I guess. I only needed 2 good score for my mortgage loan.. They drop the lowest.
Message 15 of 18
Man-Of-Steel
Established Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR


@pokerpro wrote:

hey what are your precise filing dates showing on the CR

 

epecially that you and I both now only have TU & EQ left

 

my dates are 11/1 & 11/11 respectively

 

 


If this was directed to me.......The filing date shows as 12/16/2004 on both reports.  However, I'm assuming that it hasn't been removed from EQ yet. It was still listed when I pulled an EQ report back in June of this year.  As of earlier this month, it was still listed on TU.  I know this because of Capital One's Credit Tracker and the Discover TU score and general "derogatory" information that is included with the score.

Message 16 of 18
pokerpro
Frequent Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

yes it was Smiley Happy man of steel

 

sorry jeffery - but you already got it off your TU

 

I am too looking at credit karma & the monthly score for TU through Barclays & Discover to track any changes

 

I just do not see the point of paying fico here just to see my EX score - now that its off that report

 

 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

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

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 17 of 18
pokerpro
Frequent Contributor

Re: Wow from 734 Fico to 788 today. BK7 falls off my Trans union CR

Jeff

 

now that BK is off my EQ too along with EX

 

I followed your lead and disputed at TU online requesting deletion of my BK  - I was a bit confused on the accuracy reason to pick since i am not disputing the validity of the BK, so I am relying on the comment section as well

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

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

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 18 of 18
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