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TransUnion Early Exclusion of BK13 and all baddies!

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noonway
New Contributor

TransUnion Early Exclusion of BK13 and all baddies!

Thank you to everyone on these forums, I have been eyeing this day for months!  Today was exactly six months before my BK13 was scheduled to fall off.  I set my calendar to this day to log into TU and request EE for my BK13 and all baddies and they were gone instantaneously!  Like almost faster than I could refresh the dispute center page. So magical!  Smiley Happy

 

Tips:

- If your BK discharge date is 3/30 (like mine), use 4/1 as the target date.  Back that up 6 months and you get 10/1.

- Log into the dispute center at TU and file a dispute.  For the BK, you must answer the question about why you are disputing.  You can just state that the the information is incorrect and that the account has been satisfied.

- In the comments section I typed the same thing for the BK and every bad account: "too late, kindly remove"

 

FAKO jumped 41 points ... I'll pull FICO again next April when the others drop off.

 

I hope this helps someone else!


Rebuild Started May 2023...
TU Gone! Waiting Patiently Until March 2025...
Starting FICO 8:
Current FICO 8:

In My Wallet:

Total Credit Lines: $28,400
Mortgage and Loans:


Starting Scores: 528, 534, 542
Current Scores: 685, 718, 698
Goal Score: 720, 720, 720


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Lurker22
Frequent Contributor

Re: TransUnion Early Exclusion of BK13 and all baddies!

I had TU and EQ drop on the 1st of the month, I had EX drop midmonth (filed on 11/17/17 - EX dropped the 13  8/17/24) 

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