topic Re: CH7 finally fell off TODAY!!!! in Bankruptcy

CH7 finally fell off TODAY!!!!

Anonymous — Mon, 24 May 2021 17:01:22 GMT

New member here but been coming to this site for years on rebuilding credit tips. I came across an early exclusion discussion and decided to try it. I filed CH7 on 9/11/2011 so I'm 4 months out but I read here that people were successful removing CH7 from Transunion 6mo early so I decided to try. Sunday I logged into Transunion and started a dispute. Once I put in the information I clicked on the submit button. I received 2 emails within 5 minutes exactly at the same time with subject "Dispute Received, Investigation in Process" and "Dispute Results Available". I thought I messed up or something. I logged in and lo and behold the results said "INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report." In my mind it was like too good to be true as this was on a Sunday. I shrugged it off to where I'll believe it when I see it. Monday a.m. I got an email from WalletHub "You hit a new score!" Logged in and bam +68 points (with Important changes stating Public Record Dropped Off. Man this has been a crazy 10 years of rebuilding and I can't believe its finally here. I'm not looking to apply for any credit anytime soon so the others I'll let them fall off on their own.

Big kudos to this forum. I've been reading tips and tricks on how to come back from a BK and to just be patient since 15' and now I know you can come back after some hard work.

Re: CH7 finally fell off TODAY!!!!

chalupaman — Mon, 24 May 2021 17:09:03 GMT

Fantastic! I'm glad to hear this. That what happens when you are patient and look at it all from a long term point of view.

Re: CH7 finally fell off TODAY!!!!

AllZero — Mon, 24 May 2021 18:34:06 GMT

Congratulations on your EE success!

Re: CH7 finally fell off TODAY!!!!

Sandman771 — Mon, 24 May 2021 18:39:09 GMT

Congrats on EE. I have one I'm going to try to get off in July...Well probably August. And that will have my TU not white as the driven snow, but at least a dingy white lol.

Re: CH7 finally fell off TODAY!!!!

babygirl1256 — Mon, 24 May 2021 22:31:18 GMT

@Anonymous Welcome to the forum -and- congrats on your ability to get the CH7 deleted off your TransUnion report. I share in your excitement -and- "Happy Dance" as I have been in your position . . . Wishing you continued success as you rebuild your credit.

Re: CH7 finally fell off TODAY!!!!

DoogieBall — Tue, 25 May 2021 03:03:40 GMT

Congratulations on EE! I also know how it feels to be free of BK7. I was in the same situation at the beginning of the year. Even got the same message from TU a couple minutes!

Re: CH7 finally fell off TODAY!!!!

Guyatthebeach — Tue, 25 May 2021 09:48:48 GMT

Cred1tKarma,

Congratulations on your EE!

You are almost there with your other two CR's.

The finish line is almost in reach!

Guyatthebeach

Re: CH7 finally fell off TODAY!!!!

Anonymous — Tue, 25 May 2021 14:45:13 GMT

Thanks! Yeah pretty surprised about how quick the response was. Makes me think if its automated i.e. you dispute your BK doesn't matter what you say in explanation. Algorithm checks that you're within 6mo before file date and auto delete. I wish the others were like this.

Re: CH7 finally fell off TODAY!!!!

Papa_Bear — Tue, 25 May 2021 16:31:19 GMT

Congratulations!

Re: CH7 finally fell off TODAY!!!!

Total80sKid — Thu, 27 May 2021 07:44:19 GMT

Congrats on the early TU removal!

Re: CH7 finally fell off TODAY!!!!

mrcraft — Sun, 30 May 2021 04:12:50 GMT

Congratulations on your EE!

I did the same couple months ago.

Re: CH7 finally fell off TODAY!!!!

SweetCreditObsession — Mon, 31 May 2021 21:30:52 GMT

Congratulations! That is a HUGE milestone and I'm very happy for you.