BK removed from EX 9 years 8 months from discharge

Slim1Der · ‎08-16-2018

Data Points

Filed Chap 7 in 10/2008

Discharged 1/09

I knew it was coming time and I was getting ready to research how to get it removed early when I get an alert from EX saying my score went up. Logged in to see my score at 808!!! A 64 point increase! And the BK is no longer reporting!

I got all 3 reports to look at and sure enough, no on EX, yes on EQ and TU but TU said it's due to be removed next month!

Finally in the 800 CLUB! Thank you MyFico, it all started here!

Slim

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009

pizza1 · ‎08-16-2018

TU will do EE up to 6 months early, and EQ 1-3 months and is hit or miss. Id call up the others!

Anonymous · ‎08-18-2018

Congrats! I can't wait until it falls off of mine.

Shooting-For-800 · ‎08-23-2018

Awesome!

Congratulations!

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

Anonymous · ‎08-24-2018

Congrats! I’m counting down the minutes myself lol!

I will attempt to EE on TU in Dec.

Slim1Der · ‎09-02-2018

Just got another alert! They took it off my Eq report and that Score shot up to 809! An 83pt increase! Now if TU would just come to the party!!

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009

Anonymous · ‎09-05-2018

If you're only 4 months out from the 7 year mark TU should definitely be cooperative with an EE. They took mine off at 6 months out. Give them a call and ask to talk to a supervisor. You could be BK-free by the end of the day. GL!

Slim1Der · ‎09-05-2018

Thank you! Do you happen to have a good number?

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009

Anonymous · ‎09-05-2018

@Anonymous wrote:
If you're only 4 months out from the 7 year mark TU should definitely be cooperative with an EE. They took mine off at 6 months out. Give them a call and ask to talk to a supervisor. You could be BK-free by the end of the day. GL!

I will have to do this as mine is expected to fall off on 3/2019 and being September this puts me at 6 months out.

So just call and ask for a supervisor and ask for it to be removed early? That simple?

Anonymous · ‎09-05-2018

Yep. It's just that simple. I think when I called up, I said I wanted to look at a Public Record on my account. Once they found the BK, I asked if it could be removed by EE. I had to be transferred to a supervisor, but it was all done in less than 10 minutes.

800-916-8800 should get you in touch with the dispute dept.