topic Re: BK7 Early Exclusion from TU nearly 3 years early in Bankruptcy

BK7 Early Exclusion from TU nearly 3 years early

NoMoreDebt — Tue, 31 Jan 2023 03:01:56 GMT

Wife and I filed our BK7 in Dec 2015 and it was Discharged in March 2016. Already somehow through disputes got it removed from my Equifax .Tonight tried my luck getting it off our TU asking for Early Exclusion and it was removed immediately from both our reports

Re: BK7 Early Exclusion from TU nearly 3 years early

Amiashu12 — Tue, 31 Jan 2023 04:47:53 GMT

Hi. Congrats!! I was wondering what steps you took to remove bk7. Will you please elaborate? My chap 7 discharged in match 2020. I would like to give a shot. Thanks.

Re: BK7 Early Exclusion from TU nearly 3 years early

JoeRockhead — Tue, 31 Jan 2023 08:35:39 GMT

That's outstanding, has to be a great feeling, congratulations!!

Re: BK7 Early Exclusion from TU nearly 3 years early

NoMoreDebt — Tue, 31 Jan 2023 10:58:33 GMT

@Amiashu12 wrote:
Hi. Congrats!! I was wondering what steps you took to remove bk7. Will you please elaborate? My chap 7 discharged in match 2020. I would like to give a shot. Thanks.

@Amiashu12

I got it off my EQ about 7 months or more ago by just disputing it a few times. All my consumer reports are frozen however so I don't know if that made any difference or not.

For TU last night I went to mine and DW's Transunion report and disputed it under the option of multiple inaccuracies as you have to chose something. In the comments field I just mentioned the age of the item and that I was kindly requesting an Early Exclusion. I wasn't expecting a change at all especially when I realized I was still 3 years out before it was set to drop anyway. It was instantaneous for them deleting it on both reports.

Now if I can just get it off my EX and DW's EQ and EX. I already tried once so now when I try it says I already filed a dispute and cant file another but rather just upload supporting documents to get another decision

Re: BK7 Early Exclusion from TU nearly 3 years early

Rogue46 — Mon, 06 Feb 2023 19:07:29 GMT

Thank you so much @NoMoreDebt

My BK7 Is due to fall off in December but after reading your post I decided to try exactly what you did with Transunion and was shocked it was removed immediately!. I'm going to try the others next!

Re: BK7 Early Exclusion from TU nearly 3 years early

TRC_WA — Mon, 06 Feb 2023 19:23:33 GMT

@Rogue46 wrote:
Thank you so much @NoMoreDebt

My BK7 Is due to fall off in December but after reading your post I decided to try exactly what you did with Transunion and was shocked it was removed immediately!. I'm going to try the others next!

@Rogue46

Congrats... I gotta say this TU EE stuff seems completely random though. I did some disputes last week with a BK 13 that is due to fall off in 1/24... along with some accounts and collection due to fall off 8/23 and 9/23.

They removed 2 accounts and collection... but left 3 accounts and the PR saying they were accurate.

Not a huge deal to me either way they'll be coming off in a month or two. Just funny how 1 month seems to make a difference in this case.

Re: BK7 Early Exclusion from TU nearly 3 years early

Rogue46 — Mon, 06 Feb 2023 20:28:54 GMT

@TRC_WA

I'm not really stressing about it too much since my scores are pretty good it's just nice to see all I worked so hard for the past 8 years finally paying off. My goal was always to have a clean report and I'm one step closer!

Re: BK7 Early Exclusion from TU nearly 3 years early

TRC_WA — Mon, 06 Feb 2023 20:34:56 GMT

@Rogue46 wrote:
@TRC_WA
I'm not really stressing about it too much since my scores are pretty good it's just nice to see all I worked so hard for the past 8 years finally paying off. My goal was always to have a clean report and I'm one step closer!

@Rogue46

Same... worst case scenario I'm 11 months away from clean reports although I know most of the baddies will be gone before then. 2023 is looking bright. I'd probably be at 700 right now if I wasn't carrying some 0% CC debt... .but it is what it is. Plan is to pay it off this year and be sitting pretty when the reports go clean.

Re: BK7 Early Exclusion from TU nearly 3 years early

NoMoreDebt — Tue, 07 Feb 2023 01:21:02 GMT

@Rogue46 wrote:
Thank you so much @NoMoreDebt

My BK7 Is due to fall off in December but after reading your post I decided to try exactly what you did with Transunion and was shocked it was removed immediately!. I'm going to try the others next!

Outstanding, I'm glad it worked out for you. Experian is still holding out strong on us but I expect that anyway being as we are technically just under 3 years away from it falling off on its on.

Re: BK7 Early Exclusion from TU nearly 3 years early

Rogue46 — Tue, 07 Feb 2023 18:30:56 GMT

@NoMoreDebt

I received a credit alert from Experian today and my score dropped 23 points?... I'll have to research it further but to my knowledge the only thing that changed between yesterday and today is disputing the BK. Has anyone heard of a score drop because of a dispute?

Re: BK7 Early Exclusion from TU nearly 3 years early

NoMoreDebt — Sun, 12 Feb 2023 14:18:11 GMT

@Rogue46 wrote:
@NoMoreDebt

I received a credit alert from Experian today and my score dropped 23 points?... I'll have to research it further but to my knowledge the only thing that changed between yesterday and today is disputing the BK. Has anyone heard of a score drop because of a dispute?

Did you ever find what caused this? Im positive just the dispute of the BK shouldnt have caused this.

Re: BK7 Early Exclusion from TU nearly 3 years early

Rogue46 — Sun, 12 Feb 2023 21:24:32 GMT

As far as I can tell nothing changed except for filing the dispute. The other 2 stayed the same just had the drop from Experian

Re: BK7 Early Exclusion from TU nearly 3 years early

Hex — Sun, 19 Feb 2023 20:49:22 GMT

I would try this but I'm chicken and I'm sure it would bite me in the behind. My BK is my only derogatory so it's tempting. I guess I'll just finish out my sentence. 3 years and 1 month to go.

Re: BK7 Early Exclusion from TU nearly 3 years early

NoMoreDebt — Sun, 19 Feb 2023 20:54:35 GMT

@Hex wrote:
I would try this but I'm chicken and I'm sure it would bite me in the behind. My BK is my only derogatory so it's tempting. I guess I'll just finish out my sentence. 3 years and 1 month to go.

You got nothing to loose by asking them. They will either remove it or not. They can not extend the amount of time it will report. I'm finishing out my sentence the same with Experian as no EE for me on that one. That is fine as I don't think it will hold me back with the credit goals this year of trying to get back in good graces with Amex and getting the Fidelity Visa I am after.

Re: BK7 Early Exclusion from TU nearly 3 years early

Hex — Sun, 19 Feb 2023 21:32:47 GMT

@NoMoreDebt

If I knew I could 100% get away with it I'd do it for sure but I'm too much of a worrier. Because of this forum I've managed to get a lot of cards. I have many high limit cards and I've gotten a lot of cards from banks I didn't think I could get cards with until my BK fell off. I'd be afraid that if I did get the BK removed it might come back and spook my current lenders and cause AA. I think I have too much to lose to risk it. Still temping but not worth the stress at this point. I am happy for those who are able to pull it off though. 😊

Re: BK7 Early Exclusion from TU nearly 3 years early

Creditwiser — Tue, 07 Mar 2023 22:09:55 GMT

@NoMoreDebt wrote:
Wife and I filed our BK7 in Dec 2015 and it was Discharged in March 2016. Already somehow through disputes got it removed from my Equifax .Tonight tried my luck getting it off our TU asking for Early Exclusion and it was removed immediately from both our reports

I inadvertently ran across this thread and thought why not. I disputed with Transunion this afternoon and voila ! BK7 Deleted 14 months early

Strange though that it only took a few minutes to receive the notice. Time to give the others a try !

Re: BK7 Early Exclusion from TU nearly 3 years early

TRC_WA — Tue, 07 Mar 2023 22:20:54 GMT

@Creditwiser wrote:

I inadvertently ran across this thread and thought why not. I disputed with Transunion this afternoon and voila ! BK7 Deleted 14 months early

Strange though that it only took a few minutes to receive the notice. Time to give the others a try !

@Creditwiser @FireMedic1

And once again we have more proof that EE is completely and totally random.

You just had a BK removed 14 months early... and a month ago I disputed mine 10 months early with TU and it came back verified... so I'm waiting till July.

Not a huge deal... just making the point that EE is literally a roll of the dice.

Re: BK7 Early Exclusion from TU nearly 3 years early

FireMedic1 — Tue, 07 Mar 2023 23:34:48 GMT

@TRC_WAIt really doesnt bother me any longer that I have a BK. I did well thru the years to rebuild. Got the house, SUV and a nice set of cards. If I was in my 20's. It would be one thing. My age now? I can wait.

Re: BK7 Early Exclusion from TU nearly 3 years early

TRC_WA — Tue, 07 Mar 2023 23:39:27 GMT

@FireMedic1 wrote:
@TRC_WAIt really doesnt bother me any longer that I have a BK. I did well thru the years to rebuild. Got the house, SUV and a nice set of cards. If I was in my 20's. It would be one thing. My age now? I can wait.

@FireMedic1

Yeah it's nothing I stress over either... I'm 48. I will admit though I do find it rather annoying that I've been floating around 670 since discharge a year ago while people like yourself are 700+ and also have a BK reporting. I get the whole UTI thing but it still strikes me as odd that carrying 20-25% UTI would tank my scores that much. I really feel like the PR is more dead weight... but then again it's not... because look at you.

Last week my NFCU card went from a $0 balance to a $400 balance (20% UTI) and my TU dropped 10 points. EQ and EX didn't move.

TU also has the least baddies (1 PR and 1 derog account) while EQ and EX have more because that haven't given me EE yet.

But yet my TU FICO is lower.

I can't explain it... and am not going to stress trying to figure it all out. Rest assured though I am counting the days till the baddies are gone because only then will I know how much dead weight these bad accounts and PR are.

Re: BK7 Early Exclusion from TU nearly 3 years early

FireMedic1 — Tue, 07 Mar 2023 23:44:20 GMT

@TRC_WA wrote:
@FireMedic1 wrote:
@TRC_WAIt really doesnt bother me any longer that I have a BK. I did well thru the years to rebuild. Got the house, SUV and a nice set of cards. If I was in my 20's. It would be one thing. My age now? I can wait.
@FireMedic1

Yeah it's nothing I stress over either... I'm 48. I will admit though I do find it rather annoying that I've been floating around 670 since discharge a year ago while people like yourself are 700+ and also have a BK reporting. I get the whole UTI thing but it still strikes me as odd that carrying 20-25% UTI would tank my scores that much. I really feel like the PR is more dead weight... but then again it's not... because look at you.

Last week my NFCU card went from a $0 balance to a $400 balance (20% UTI) and my TU dropped 10 points. EQ and EX didn't move.

TU also has the least baddies (1 PR and 1 derog account) while EQ and EX have more because that haven't given me EE yet.

But yet my TU FICO is lower.

I can't explain it... and am not going to stress trying to figure it all out. Rest assured though I am counting the days till the baddies are gone because only then will I know how much dead weight these bad accounts and PR are.

Bout all you can do. It will all fall into place once baddies age and fall. Util can be a score hitter. Just takes time. Remember I'm 7 yrs 6 months out. There were days like come on man really? When can I break 700. Good times come to those who wait. Which is the hardest thing to do as we know.