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Timeline for EE

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HRD08
Established Member

Timeline for EE

Does anyone know the timeline for EE of CH 13 from each CRA? I filed on 11/16/2011, trying to determine when I need to starting contacting the CRA concerning removal.

 

Thank you.

 

 

2/18 EQ 726 TU 715 EX 722
Goal 750
Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Timeline for EE

TU - 6 months early

EX - 3 months early

EQ - 1 month early

 

The timeframe is based on 7 years after your filing date. You could realistically get an EE:

TU - May

EX - August

EQ - October

 

Message 2 of 10
luxeprw9
Frequent Contributor

Re: Timeline for EE


@Anonymous wrote:

TU - 6 months early

EX - 3 months early

EQ - 1 month early

 

The timeframe is based on 7 years after your filing date. You could realistically get an EE:

TU - May

EX - August

EQ - October

 


This is correct.  But I would start with TU now.  My BK13 is due to fall off in August 2018 and I submitted an EE online and it was removed.  I did the same with EQ.  Although they did NOT remove the BK, they did remove 2 of the 4 accounts that are still reporting negative payment info on my report.  I haven't bothered with EX.  I'm just going to wait until the above timelines for EQ and EX. 

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 3 of 10
HRD08
Established Member

Re: Timeline for EE

Thank you, I appreciate the responses!

2/18 EQ 726 TU 715 EX 722
Goal 750
Message 4 of 10
2GreenThumbs
Frequent Contributor

Re: Timeline for EE

I have a similar post on this board.  I filed 5/11 and was discharged 8/16.  Last night I requested EE from all 3 CRA.  Today, TU deleted from my file.  Waiting for more info from EQ and EX.


Message 5 of 10
HRD08
Established Member

Re: Timeline for EE

Update

 

I requested EE from Transunion via phone on the 23 and it was removed on the 24! I also requested from Exp and Equ just waiting on the decision.

2/18 EQ 726 TU 715 EX 722
Goal 750
Message 6 of 10
luxeprw9
Frequent Contributor

Re: Timeline for EE


@HRD08 wrote:

Update

 

I requested EE from Transunion via phone on the 23 and it was removed on the 24! I also requested from Exp and Equ just waiting on the decision.


Fantastic!  Congrats!!

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 7 of 10
HRD08
Established Member

Re: Timeline for EE

Thank you!

2/18 EQ 726 TU 715 EX 722
Goal 750
Message 8 of 10
masscredit
Valued Contributor

Re: Timeline for EE


wrote:

TU - 6 months early

EX - 3 months early

EQ - 1 month early

 

The timeframe is based on 7 years after your filing date. You could realistically get an EE:

TU - May

EX - August

EQ - October

 


Does this timeframe apply to CH 7 excect for it's based on 10 years? And that's based on the filing date, not the discharge date?  I filed CH7 June 23, 09. I'm starting to see some light at the end of the tunnel so I'm planning when I might be able to speed up the process a little. The BK is the last negative thing on my reports.

 

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 690 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800 / Apple Card - $2700 / Walmart Mastercard - $2500

Andrews FCU SSL $1500
Message 9 of 10
Anonymous
Not applicable

Re: Timeline for EE

Yes, the same timeframe would apply to get an EE for basically any derog. For BKs, the 7 or 10 year wait always begins at the filing date.

 

So a 6/09 BK7 would hit 10 years at 6/19. You could likely see it get EE'd in 1/19 for TU, 3/19 for EX and 5/19 for EQ. But asking a few months earlier might work. In the meantime, just keep on time with payments.

Message 10 of 10
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