cancel
Showing results for 
Search instead for 
Did you mean: 

BK13 dropped off EXP and my score...

Valued Member

BK13 dropped off EXP and my score...

Was just checking on experian website, and my bk13 is no longer listed under public record...

however, my score didn't change at all...when TU EE'd my bk13, think my score shot up 80pts or so...

anyone seen the same?

 

thanks.

Message 1 of 5
4 REPLIES
Frequent Contributor

Re: BK13 dropped off EXP and my score...

Similar for us. With TU EE we got a big bump, EX just dropped our public record about a month ago and neither DH or I saw more than a 15 point boost. Maybe because we were 3 months further into the rebuild?
RBFCU Premier $25K, Sam’s Club MC $25K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $5.5K, PenFed Promise $2.5K, Total Rewards $3K, Discover It $1.7K, Cap One QS1 $850, Overstock $17.5K
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18! EQ clean as of 5/4/18!
Message 2 of 5
Frequent Contributor

Re: BK13 dropped off EXP and my score...


@Jlgab345 wrote:
Similar for us. With TU EE we got a big bump, EX just dropped our public record about a month ago and neither DH or I saw more than a 15 point boost. Maybe because we were 3 months further into the rebuild?

If I'm reading your signature right, you were discharged March 2017 and Experian removed your BK in April 2018?  I was discharged August 2016 and Experian is still reporting my BK13!!  I tried for an EE and they said the earliest it will fall off is June 2018.  Sigh.........

 

I also had a huge boost when my BK13 was EE'd from my Transunion.  Experian has been my lowest score with the BK and 2 negative Chase accounts reporting.  I'm not sure what to expect come August 2018 when all of that is off my report.  I was hoping for a big boost but based on what everyone else is saying, I may be disappointed!

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 3 of 5
Member

Re: BK13 dropped off EXP and my score...

How soon can a bankruptcy be deleted? 

Message 4 of 5
Highlighted
Regular Contributor

Re: BK13 dropped off EXP and my score...

Chapter 13 can stay on your report up to 7 years after your filing date. Chapter 7 can stay up to 10 years.

 

But, you can often get them removed a few months sooner. Look up Early Exclusions for more info.

Began 5/17/17
EQ 621
TU 577
EX 608

Current FICO 8
EQ 767
TU 775
EX 728 - FINALLY ALL ABOVE 700!
Message 5 of 5