The finish line is in sight!

[Caribsa89]

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@Guyatthebeach wrote:

Caribsa89,

I filed 11/30/2021 for chapter 7.  When I looked at Equifax and my bankruptcy fell off finally. The Vantage 3.0 score is 774. 

I am so glad that is now in the past.

Guyatthebeach

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Thanks!  I hope Equifax does not wait the month of to delete.  I am hoping for deletion sometime in January for my 3/30/2012 filing.  I've read 3 cases recently from another credit board of which they deleted without prompting 2 months early.  The most recent one I saw from another board is they filed on 07/20/2011 and it fell off their Equifax report in May of this year and April for Experian.  That would be January for Equifax for me if the same thing happens.

[1GaDawg85]

I filed mine back in April of 2012 and Experian has been a thorn in my side about removing early. TU and EQ removed it pretty quickly after I asked for EE. 

[Caribsa89]

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@1GaDawg85 wrote:

I filed mine back in April of 2012 and Experian has been a thorn in my side about removing early. TU and EQ removed it pretty quickly after I asked for EE. 

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How did you request it from EQ and when?  Most said that EQ is the most dificult one!

[1GaDawg85]

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@Caribsa89 wrote:

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@1GaDawg85 wrote:

I filed mine back in April of 2012 and Experian has been a thorn in my side about removing early. TU and EQ removed it pretty quickly after I asked for EE. 

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How did you request it from EQ and when?  Most said that EQ is the most dificult one!

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I disputed and specifically asked for EE in the dispute.

[Caribsa89]

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@1GaDawg85 wrote:

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@Caribsa89 wrote:

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@1GaDawg85 wrote:

I filed mine back in April of 2012 and Experian has been a thorn in my side about removing early. TU and EQ removed it pretty quickly after I asked for EE. 

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How did you request it from EQ and when?  Most said that EQ is the most dificult one!

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I disputed and specifically asked for EE in the dispute.

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Did you dispute it online or call?  I actually called on the 14th of this month, after EX dropped it, and was told they donot do EE for BK. She would not even take my dispute 7 days ago.  If online, what did you choose as reason and if phone, what number did you call?

[Guyatthebeach]

Caribsa89,

I submitted a dispute online and got nothing. 

Guyatthebeach

[Caribsa89]

I called 7 days ago and got nothing! Hence my surprise that 1GaDawg85 received one with a later filing date.  I need more info to see if I want to try again.  

[Guyatthebeach]

It's my personal experience that leads me to believe Equifax is took inconsistent in how they handle disputes, especially when an EE is involved.

Guyatthebeach

[Scupra]

Can not even explain how happy I am for you!!! Congrats on finally getting the BK off You have done an AMAZING job rebuilding. Happy holidays and I just know you are going to hit your goals in 2022

[Guyatthebeach]

Scupra,

Thank you for the kind words. I know you will be excited when your bankruptcy drops off.

I appreciate all the kind words and suggestions you made over the years.  I am still a believer in SoulMaster's plan today.  People should use it as guide. I'm proof that it works long term. I've measured my success with the amount of CL's, low APR's, and then FICO scores. 

Again, thank you for the years of support!

Guyatthebeach