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Score Increase after Chapter 13 or 7 is removed?

Valued Member

Score Increase after Chapter 13 or 7 is removed?

Hi all! I have a question for those of you who have experienced a Chapter 13 or 7. How much did your score increase? If at all once it was deleted from your CR?

Also if you don't mind please indicate if you had any other derogatory accounts or late payments, etc.

I know everyone's file is different and there are other factors to consider, however I'm just attempting to get a general consensus.

Thanks!
Message 1 of 24
23 REPLIES
Valued Contributor

Re: Score Increase after Chapter 13 or 7 is removed?

I have 1 clean file right now. It had a Ch 13 filed 2011, a tax lien filed in 2012 and a mortgage included in BK. Everything was removed recently and my score increased 113 points. Hope this helps.


EQ 679 EXP 700 TU 763
Message 2 of 24
Community Leader
Super Contributor

Re: Score Increase after Chapter 13 or 7 is removed?

I dream of the day I can answer this Smiley Very Happy
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 3 of 24
Valued Contributor

Re: Score Increase after Chapter 13 or 7 is removed?

I bugged the cr@p out of TU until they got tired of hearing from me and deleted everything! I've got to wait until next May for the other 2 to be clean.


EQ 679 EXP 700 TU 763
Message 4 of 24
Community Leader
Super Contributor

Re: Score Increase after Chapter 13 or 7 is removed?

I've got roughly 5 years lmao!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 5 of 24
Valued Member

Re: Score Increase after Chapter 13 or 7 is removed?

@medicgrrl wow that's an amazing increase! Congrats! Mine is due to be removed 3/2018...should I request EE from TU in October? and in January for EQ and EX? Can this be done online directly with the bureau? Lastly what exactly should I say?

Message 6 of 24
Valued Contributor

Re: Score Increase after Chapter 13 or 7 is removed?

Yes, request EE..worst they can do is say no. I'm planning to ask around March. I've read people having good success by disputing the item online but putting in the comments that they aren't disputing, just asking for the information to be removed early. I wouldn't call it EE in your request.


EQ 679 EXP 700 TU 763
Message 7 of 24
Valued Member

Re: Score Increase after Chapter 13 or 7 is removed?

Ok great thanks @ medicgrrl.
Message 8 of 24
New Member

Re: Score Increase after Chapter 13 or 7 is removed?

@ medicgrrl or @ scupra 

 

I'm a noob to all this stuff. I filed BK7 including my home 3/2010, I believe it was final 6/2010. So I can have it removed from my credit reports now? And how do I get it done?

 

janet

 

 

Message 9 of 24
Community Leader
Super Contributor

Re: Score Increase after Chapter 13 or 7 is removed?


workinmyplan wrote:

@ medicgrrl or @ scupra 

 

I'm a noob to all this stuff. I filed BK7 including my home 3/2010, I believe it was final 6/2010. So I can have it removed from my credit reports now? And how do I get it done?

 

janet

 

 


A Chapter 7 will stay on your reports for 10 years. You are able to ask the CRA's for an "early exclusion" but you will probably only be able to remove it around 3-6 months early.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 10 of 24