Chapter 13 was filed late October 2010. I included a car loan from a local credit union in the Chapter 13 so it was paid off through the plan. I had a mortgage that I continued to pay outside of the plan and I am still paying. I was never late on either of these loans. .
The public record was removed from my EX report on July 7th - I never requested the EE from EX. The following week I requested EE from TU and they removed the public record. I didnt bother requesting EE from Eq based on what I have read here.
I didnt see much score increase because of the car loan and the mortgage. I sent a request to the mortgage company requesting they removed all reference to the BK and they agreed and immediately sent updates to all the CB's.
I had a tougher time getting the CU to update so I had sent a complaint through CFPB. The CU called last week and informed me they would delete the account from all 3 CRA's.
The bk should age off my EQ report next month.
Today i pulled my 3B's and Fico 8 scores are TU 751, EX 729 and EQ 684. TU and EX are now clean. The Fico 8 scores from last month were TU 657, EX 677 and EQ 684.
