I've learned so much in the last 8 years. I owe so much to all of you for the lessons learned -- good, bad, and indifferent -- and I want to thank you all, and I truly mean that.
Last month I followed the advice on numerous recent threads here and requested an early exclusion from TU by requesting it through their dispute portal. To be clear, I did not dispute anything. I just asked them for an early exclusion based on "too old to report, request an early exclusion" and TU graciously granted my request -- 14 months prior to BK7 filing date. It was like sending an email while avoiding a two-hour hold time.
Today I pulled my monthly scores and .... drum roll ... for the first time ever I got a perfect 850 and one 849.
As of today, my TU 9 classic is a perfect 850.
As of today my TU 8 classic is 837.
As of today, my TU 10 classic is 832.
As of today, my TU10T is a near perfect 849.
As of today my TU mortgage is 792.
And just to keep me humble, my EX auto is ..... 675! LOL. God I hope I never find a dealer who pulls the Ex 2! All other scores are between 760 and 850 (or higher for bankcard score versions); there is a lot to learn here but people should focus on the fact that this web site is provided by the FICO company, and so anything that's discussed that does not align with their business objectives may well get axed. But hey, they own the site and if they say the moon is made of green cheese, accept it or go to a different site for a second opinion. The pros far outweigh the cons.
So thank you all ... members, mods, and all the people that have generously donated their time and efforts and most importantly their data.
I am forever in your debt. And I make a commitment to you all right now: I will repay you for your kindness.
XO,
Chapter 7-Recovering
