topic Re: Transunion Early Exclusion Success! in Bankruptcy

Transunion Early Exclusion Success!

MsSecondChance — Mon, 02 Dec 2024 23:34:30 GMT

My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion. As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779. I'm super excited!

Thank you to the myfico community for helping me through this journey! 🫶🏾

Re: Transunion Early Exclusion Success!

Snook_on_the_Line — Tue, 03 Dec 2024 00:03:53 GMT

Way to go. Congrats

Re: Transunion Early Exclusion Success!

BigCat333 — Wed, 15 Jan 2025 01:08:50 GMT

Hello how long did it take to build your credit profile?

Re: Transunion Early Exclusion Success!

MsSecondChance — Tue, 11 Feb 2025 23:34:10 GMT

@BigCat333 wrote:
Hello how long did it take to build your credit profile?

I am currently 7 months post discharge and I have built up $22,500 in credit across 4 cards. My first card was a $3K Quicksilver which was approximately 2 months after my discharge.

Re: Transunion Early Exclusion Success!

Ftlaudes1 — Mon, 31 Mar 2025 19:46:24 GMT

Trying this now, updates to follow:

Went to TU and chose Dispute.

Chose BK at the bottom of my report.

Chose the "not a judgement" option.

put a personal comment:

"Kindly requesting Early Exclusion from Chapter 7 bankruptcy. Grateful for your consideration."

Re: Transunion Early Exclusion Success!

indiolatino61 — Sat, 19 Apr 2025 09:11:19 GMT

Congratulations on your EE success! It never hurts to ask...lol. A 75-point gain must have felt surreal. The best of luck to you.

Re: Transunion Early Exclusion Success!

indiolatino61 — Sat, 19 Apr 2025 09:13:36 GMT

Seven months out with 4 cards is great, rapid rebuilding. Great job.

Re: Transunion Early Exclusion Success!

MsSecondChance — Sat, 19 Apr 2025 17:00:07 GMT

@indiolatino61 wrote:
Seven months out with 4 cards is great, rapid rebuilding. Great job.

Thank you! The point increase feeling was so totally awesome!

Re: Transunion Early Exclusion Success!

castor4072 — Wed, 07 Jan 2026 20:56:44 GMT

@MsSecondChance wrote:
My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion. As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779. I'm super excited!
Thank you to the myfico community for helping me through this journey! 🫶🏾

Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!

Re: Transunion Early Exclusion Success!

JoeRockhead — Wed, 07 Jan 2026 21:03:31 GMT

@castor4072 wrote:
@MsSecondChance wrote:
My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion. As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779. I'm super excited!
Thank you to the myfico community for helping me through this journey! 🫶🏾
Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!

@castor4072 EX will do 3 months early, EQ 30 days but most people recommend letting EQ fall off naturally. Congratulations on your TU EE!

Re: Transunion Early Exclusion Success!

castor4072 — Wed, 07 Jan 2026 21:41:40 GMT

@JoeRockhead wrote:
@castor4072 wrote:
@MsSecondChance wrote:
My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion. As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779. I'm super excited!
Thank you to the myfico community for helping me through this journey! 🫶🏾
Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!
@castor4072 EX will do 3 months early, EQ 30 days but most people recommend letting EQ fall off naturally. Congratulations on your TU EE!

Thanks, very excited that its off! So, EX do it three months early and after the first of the month?

Cas...

Re: Transunion Early Exclusion Success!

AndrewF — Sun, 18 Jan 2026 23:01:53 GMT

@JoeRockhead wrote:
@castor4072 wrote:
@MsSecondChance wrote:
My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion. As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779. I'm super excited!
Thank you to the myfico community for helping me through this journey! 🫶🏾
Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!
@castor4072 EX will do 3 months early, EQ 30 days but most people recommend letting EQ fall off naturally. Congratulations on your TU EE!

EQ is my highest one. a creditor illegally continued to report late payments for months past my bankruptcy filing, so I complained to all three credit bureaus. TU and EX deleted the entire history of late payments and my score went up 5-7 points immediately.

The guy on the phone with EQ said that since those were bankruptcy accounts, the late payments being deleted wouldn't do anything, and he deleted all of them on every bankruptcy account and my FICO 8 score jumped 23 points on EQ.

I got more than I asked for from EQ, it's not like I'm going to call and say "Wait a minute, bring it back!"