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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!
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!
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)