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CH7 finally fell off TODAY!!!!

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Anonymous
Not applicable

CH7 finally fell off TODAY!!!!

New member here but been coming to this site for years on rebuilding credit tips.  I came across an early exclusion discussion and decided to try it.  I filed CH7 on 9/11/2011 so I'm 4 months out but I read here that people were successful removing CH7 from Transunion 6mo early so I decided to try.  Sunday I logged into Transunion and started a dispute.  Once I put in the information I clicked on the submit button.  I received 2 emails within 5 minutes exactly at the same time with subject "Dispute Received, Investigation in Process" and "Dispute Results Available".  I thought I messed up or something.  I logged in and lo and behold the results said "INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report." In my mind it was like too good to be true as this was on a Sunday.  I shrugged it off to where I'll believe it when I see it.  Monday a.m. I got an email from WalletHub "You hit a new score!"  Logged in and bam +68 points (with Important changes stating Public Record Dropped Off.  Man this has been a crazy 10 years of rebuilding and I can't believe its finally here.  I'm not looking to apply for any credit anytime soon so the others I'll let them fall off on their own.

 

Big kudos to this forum.  I've been reading tips and tricks on how to come back from a BK and to just be patient since 15' and now I know you can come back after some hard work.  Smiley Very Happy

Message 1 of 12
11 REPLIES 11
chalupaman
Super Contributor

Re: CH7 finally fell off TODAY!!!!

Fantastic! I'm glad to hear this. That what happens when you are patient and look at it all from a long term point of view. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 12
AllZero
Mega Contributor

Re: CH7 finally fell off TODAY!!!!

Congratulations on your EE success!
Message 3 of 12
Sandman771
Valued Contributor

Re: CH7 finally fell off TODAY!!!!

Congrats on EE. I have one I'm going to try to get off in July...Well probably August. And that will have my TU not white as the driven snow, but at least a dingy white lol. 

Starting Score: EQ497/TU496/EX 499
Currently: EQ 620 TU 654 EX 627
in the garden since 6/16/2021
Message 4 of 12
babygirl1256
Senior Contributor

Re: CH7 finally fell off TODAY!!!!

@Anonymous Welcome to the forum -and- congrats on your ability to get the CH7 deleted off your TransUnion report. I share in your excitement -and- "Happy Dance" as I have been in your position . . . Wishing you continued success as you rebuild your credit.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 5 of 12
DoogieBall
Regular Contributor

Re: CH7 finally fell off TODAY!!!!

Congratulations on EE!  I also know how it feels to be free of BK7.  I was in the same situation at the beginning of the year.  Even got the same message from TU a couple minutes! Smiley Happy

   

R.I.P Cards 





Message 6 of 12
Guyatthebeach
Valued Contributor

Re: CH7 finally fell off TODAY!!!!

Cred1tKarma,

 

Congratulations on your EE!

 

You are almost there with your other two CR's.

 

The finish line is almost in reach!

 

Guyatthebeach

Message 7 of 12
Anonymous
Not applicable

Re: CH7 finally fell off TODAY!!!!

Thanks!  Yeah pretty surprised about how quick the response was.  Makes me think if its automated i.e. you dispute your BK doesn't matter what you say in explanation.  Algorithm checks that you're within 6mo before file date and auto delete.  I wish the others were like this.

Message 8 of 12
Papa_Bear
Frequent Contributor

Re: CH7 finally fell off TODAY!!!!

Congratulations!




Message 9 of 12
Total80sKid
Senior Contributor

Re: CH7 finally fell off TODAY!!!!

Congrats on the early TU removal!

Message 10 of 12
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