topic Re: Transunion EE Sucess - 7.5 Months Early in Bankruptcy

Transunion EE Sucess - 7.5 Months Early

Dalmus — Sat, 12 Sep 2020 21:29:39 GMT

I filed my BK7 in April of 2011. I'm outside the 6 month window that posts have generally said is the TU EE window. I *DID* happen across one post somewhere that said they were able to do it outside the 6 month window, so I figured what the heck.

I filed a direct dispute via Credit Karma at 8:39 this morning. At 8:43 I got an email that said TU finished investigating my dispute. I logged in, and.... Gone! About 7.5 months early.

I know not to bother with EX or EQ this far out, but its so nice to see the end of the long credit repair journey finally in reach. Yes, by my cards in my signature I've obviously not been suffering (credit-wise) for years, but that ceiling of 740 for a credit score was getting annoying. I expect my TU score will jump up a few dozen points to give me a preview of what Feb 2011 might look like after a few more EE requests.

As always, thanks to the MyFico community for being a wealth of information and guidance!

Update: Three days later, I got the MyFico alert that out dropped off my report and got a 48 point boost!

Re: Transunion EE Sucess - 7.5 Months Early

Anonymous — Fri, 04 Sep 2020 14:21:48 GMT

Awesome!

Re: Transunion EE Sucess - 7.5 Months Early

AllZero — Fri, 04 Sep 2020 14:48:24 GMT

Congratulations on your success!

Re: Transunion EE Sucess - 7.5 Months Early

raisemysc0re — Sat, 05 Sep 2020 03:09:43 GMT

Great job!!!

Re: Transunion EE Sucess - 7.5 Months Early

Kasuito39 — Mon, 07 Sep 2020 16:59:08 GMT

Congratulations on your great rebuild journey!

Re: Transunion EE Sucess - 7.5 Months Early

Dalmus — Tue, 08 Sep 2020 00:04:11 GMT

Update: TU score jumped 48 points.

Re: Transunion EE Sucess - 7.5 Months Early

Anonymous — Wed, 09 Sep 2020 05:17:15 GMT

If you don't mind sharing, what did you use for the dispute reason? My ch7 is due to fall off 1/2021 and would like to try to get EE if possible

Re: Transunion EE Sucess - 7.5 Months Early

Dalmus — Thu, 10 Sep 2020 13:25:49 GMT

@Anonymous wrote:
If you don't mind sharing, what did you use for the dispute reason? My ch7 is due to fall off 1/2021 and would like to try to get EE if possible

Not at all!

I picked "This public record is paid, satisfied or released." For the additional comments, I wrote "I would greatly appreciate your consideration in removing this record as an Early Exclusion. Thank you."

Still excited to see that 789 score!

Re: Transunion EE Sucess - 7.5 Months Early

Anonymous — Wed, 09 Sep 2020 08:55:37 GMT

Nicely done! I have my only TU derog set to enter the EE window on 11/1/2020 and this is tempting me to try...

Re: Transunion EE Sucess - 7.5 Months Early

pizza1 — Thu, 10 Sep 2020 17:54:33 GMT

Did you log into actual TU website, and get a current copy of your report to verify its gone? Also, where did you get your updated score from?

Re: Transunion EE Sucess - 7.5 Months Early

Dalmus — Thu, 10 Sep 2020 22:04:59 GMT

@pizza1 wrote:
Did you log into actual TU website, and get a current copy of your report to verify its gone? Also, where did you get your updated score from?

I know better than to trust CK scores.

MyFico alerted me to both the removal and the score jump.

Re: Transunion EE Sucess - 7.5 Months Early

jetsfan2013 — Sat, 12 Sep 2020 06:50:51 GMT

This is inspiring. I filed my Ch 7 8/2011 and discharged 10/2011. I am assuming I should wait until 2/2011 to dispute?

Re: Transunion EE Sucess - 7.5 Months Early

Anonymous — Sat, 12 Sep 2020 07:57:02 GMT

@Dalmus wrote:
@Anonymous wrote:
If you don't mind sharing, what did you use for the dispute reason? My ch7 is due to fall off 1/2021 and would like to try to get EE if possible

Not at all!
I picked "This public record is paid, satisfied or released." For the additional comments, I wrote "I would greatly appreciate your consideration in removing this record as an Early Exclusion. Thank you."

Still excited to see that 789 score!

I submitted the same after your reply. Gone the next day and a 44pt boost. Thanks for the info

Re: Transunion EE Sucess - 7.5 Months Early

FireMedic1 — Sat, 12 Sep 2020 21:01:23 GMT

Inquiring minds want to know what was the score bump!

Re: Transunion EE Sucess - 7.5 Months Early

Dalmus — Sat, 12 Sep 2020 21:28:14 GMT

@FireMedic1 wrote:
Inquiring minds want to know what was the score bump!

48 points. Very happy!

(I edited OP to add this)

Re: Transunion EE Sucess - 7.5 Months Early

WD2005 — Thu, 17 Sep 2020 18:51:55 GMT

I had similar success through Credit Karma. My discharged Chapter 13 seven-year anniversary is December 2nd and I was just going to wait it out but I got an alert from EX that my score went up......a lot! It went from 655 to 721. The CH13 fell off from EX on its own. My score has actually gone up another 10 pts in the last two weeks so I'm now at 731.

I filed a dispute requesting early exclusion through CK with both TU and EQ and the next morning got an alert that the results were in for TU. They removed the Ch13! EQ very nicely told me that the CH13 will remain. Oh well. I re-upped my EX account today to get all 3 scores. I was excited about the TU increase. 99 pts!!!! I'm now at 757. Stuck at 681 with EQ, unfortunately.

Re: Transunion EE Sucess - 7.5 Months Early

jetsfan2013 — Tue, 23 Feb 2021 11:27:54 GMT

Anyone else have any recent EE success? I am planning to dispute via CK for EE next month (discharge date 10/2011).

Re: Transunion EE Sucess - 7.5 Months Early

etex — Tue, 23 Feb 2021 20:51:12 GMT

Congrats OP! I know the feeling

I had success with TU yesterday. Here's my first thread..

https://ficoforums.myfico.com/t5/forums/replypage/board-id/bankruptcy/message-id/77109

@jetsfan2013 wrote:
Anyone else have any recent EE success? I am planning to dispute via CK for EE next month (discharge date 10/2011).

Re: Transunion EE Sucess - 7.5 Months Early

jetsfan2013 — Mon, 01 Mar 2021 09:13:38 GMT

Congrats etex on your successful EE with TU. Did you make the dispute request via the TU website?

I am about a month away from my request, and will report back with the outcome.

Re: Transunion EE Sucess - 7.5 Months Early

raisemysc0re — Thu, 04 Mar 2021 15:35:16 GMT

I called for my EE