Finally, BK7 Free on all 3 Reports!!

[FireMedic1]

Wow! Nice jump. Congrats!

[Caribsa89]

My final score. I gained 81 points from Equifax droping the BK7 (754 to 835).  Here are my latest scores from all 3 credit bureaus as of today!

[FireMedic1]

Nice. Congrats. Less than 4 for me. Bring it!

[StevenMDG]

So very weird I got TU to drop my Chapter 7 today. About 30 minutes later I got an alert that my TU score droped by 41 points. I was expecting that to be the opposite. Im hoping i should not count on Credit Karma but that seems very weird no?

[Caribsa89]

@StevenMDG - That is weird. You should get your real Fico scores. Discover will give them for free Discover Free Fico . I have a Discover card but they also give it to non-card holders. When my TU dropped early I did not see my scores until the next month.  It was deleted on 1/28/21.  I was depending on a Discover update.  My Fico scores for TU on 1/13/2021 was 735 and when Discover updated on 2/13/2021 it was 808.  So give it a couple of weeks.  Make sure to keep your utilization low.  The most credit I ever use is 10%, that's about $4900 of my $49,800 credit line at the time and that was to purchase a trip to South Africa.  I put it on a 6 month 0% purchase deal and paid it off in 4. I have sinced added the X1 Card as my 7th card bringing my CL to $71,300 (not yet reporting)  I average around $1500 in credit card usage a month (gas, groceries, utilities, reatuarants, etc) and it's about 3% utilization for me and pay it off each month. Most time I only have 2 cards reporting balances out of 6; the other 4 usually reporting a 0 balance. The most that ever reports balance at the same time is 3. Now only 1 card is reporting a balance of $148 (montly charge for storage untit and iphone cloud storage) and that's because I am almost exclusively the past 2 months using the X1 card and it's not reporting to any credit bureaus. I owe about $798 so far this month but only the $148 is reporting.

Also, Fico scores are funny. I had 0 hard inquiry on all 3 credit reports until X1 pulled my credit on 12/22/21 (my 1st app since 08/2019). At the time my Experian score was 839 at a 3% utilization. Once the hard inquiry showed up, it decreases to 836, only go up to 840 the next week when my utilization fell to 1% since X1 is not reporting. That proved that a hard inquity, even a new one barely has any affect on ones credit scores. 

[RebuildinginSTL]

That is amazing! Congratulations. I am surprised the CH7 was dragging credit down by 89 points as well after 10 years. Man, I guess I have 8 more years to look forward to that.

[Dirge]

StevenMDG, this is what I did for TU (copying and pasting from another post) for a CH7 bankruptcy filed on 6/30/12; I know that TU usually does EE on the first day of the month that's 6 months away. So for me, that should have been December 1, 2021. 

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On Dec. 2 (I wanted to wait a day, after reading about first-of-the-month mishaps) I got online on TU's site and asked for an early exclusion of my BK7 which was filed in 6/2012. I was expecting some kind of "obsolete" choice, but I didn't see one. So I chose "incorrect date" and then in the note wrote that I was requesting an early exclusion. I looked at my email the next day, and they removed it! 

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I did it online because I didn't want to have to explain it to someone on the phone. 

I'll be trying this for Experian in April, I think. 

[ToofDoc]

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@Caribsa89 wrote:

My final score. I gained 81 points from Equifax droping the BK7 (754 to 835).  Here are my latest scores from all 3 credit bureaus as of today!

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So exciting!  A whole new world is now for you to conquer except for Ukraine!