Happy Easter... It's GONE!!!!!

steve23111 · ‎04-08-2012

It looks like my Chapter 7 BK I filed back in May 2002 has finally fallen off at least one of my credit reports! I just did my daily update on Credit Karma and my FAKO Transrisk just jumped from 700 to 744 and my Vantage Score jumped from 746 to 855! I'm expecting those to drop off a tad in a few days since I let my AMEX cycle close with a lot higher utilization than usual (around 35%) since they cut my statement a few days early, but still... WHAT A RELIEF!!!

I'll be ordering up my FICO here shortly and will be sure to post some before & after stuff. My last known EQ FICO was 704 on 11/27/2011, with a CK Transrisk of 687 and CK Vantage Score of 748 on that date.

Feels WONDERFUL!

opiy26 · ‎04-08-2012

That is a nice increase! I sure hope mine does the same when it falls off later this year. I can't wait.

FICO Scores: Goal - 720+
Transunion - 711 (11-2012)
Equifax - 716 (11-2012)
Goal CC: Not sure yet

aussiesareforever · ‎04-08-2012

Congratulations Steve. What a huge relief.

Mine is still a while coming (2018) and I can't wait!!!!

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

aussiesareforever · ‎04-08-2012

Happy Easter!!!

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

Math_Rocks · ‎04-09-2012

Congratulations, Steve! That is great news.

Filed Chapter 13 April 2012. Case successfully closed May 2017, about 1 month after 60th payment. FAKO scores on close date: TU 695 EQ 697. Received discharge July 11th - took forever! Real EX day of discharge 624.

amercnchopz34 · ‎04-10-2012

@steve23111 wrote:
It looks like my Chapter 7 BK I filed back in May 2002 has finally fallen off at least one of my credit reports! I just did my daily update on Credit Karma and my FAKO Transrisk just jumped from 700 to 744 and my Vantage Score jumped from 746 to 855! I'm expecting those to drop off a tad in a few days since I let my AMEX cycle close with a lot higher utilization than usual (around 35%) since they cut my statement a few days early, but still... WHAT A RELIEF!!!

I'll be ordering up my FICO here shortly and will be sure to post some before & after stuff. My last known EQ FICO was 704 on 11/27/2011, with a CK Transrisk of 687 and CK Vantage Score of 748 on that date.

Feels WONDERFUL!

JUST curious how old was your bk whe u got your Amex? Congrats....

steve23111 · ‎04-10-2012

@amercnchopz34 wrote:
@steve23111 wrote:
It looks like my Chapter 7 BK I filed back in May 2002 has finally fallen off at least one of my credit reports! I just did my daily update on Credit Karma and my FAKO Transrisk just jumped from 700 to 744 and my Vantage Score jumped from 746 to 855! I'm expecting those to drop off a tad in a few days since I let my AMEX cycle close with a lot higher utilization than usual (around 35%) since they cut my statement a few days early, but still... WHAT A RELIEF!!!

I'll be ordering up my FICO here shortly and will be sure to post some before & after stuff. My last known EQ FICO was 704 on 11/27/2011, with a CK Transrisk of 687 and CK Vantage Score of 748 on that date.

Feels WONDERFUL!
JUST curious how old was your bk whe u got your Amex? Congrats....

A little under 9 years. It was February of last year. AMEX was IIB in 2002 for around $4500.

amercnchopz34 · ‎04-10-2012

@steve23111 wrote:
@amercnchopz34 wrote:
@steve23111 wrote:
It looks like my Chapter 7 BK I filed back in May 2002 has finally fallen off at least one of my credit reports! I just did my daily update on Credit Karma and my FAKO Transrisk just jumped from 700 to 744 and my Vantage Score jumped from 746 to 855! I'm expecting those to drop off a tad in a few days since I let my AMEX cycle close with a lot higher utilization than usual (around 35%) since they cut my statement a few days early, but still... WHAT A RELIEF!!!

I'll be ordering up my FICO here shortly and will be sure to post some before & after stuff. My last known EQ FICO was 704 on 11/27/2011, with a CK Transrisk of 687 and CK Vantage Score of 748 on that date.

Feels WONDERFUL!
JUST curious how old was your bk whe u got your Amex? Congrats....
A little under 9 years. It was February of last year. AMEX was IIB in 2002 for around $4500.

What were your stats when you were approved if you don't mind me asking?