Transunion Early Exclusion Success!

[MsSecondChance]

My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion.  As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779.  I'm super excited!

Thank you to the myfico community for helping me through this journey! 🫶🏾

[Snook_on_the_Line]

Way to go.    Congrats 

[BigCat333]

Hello how long did it take to build your credit profile?

[MsSecondChance]

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@BigCat333 wrote:

Hello how long did it take to build your credit profile?

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I am currently 7 months post discharge and I have built up $22,500 in credit across 4 cards. My first card was a $3K Quicksilver which was approximately 2 months after my discharge. 

[Ftlaudes1]

Trying this now, updates to follow:

Went to TU and chose Dispute.

Chose BK at the bottom of my report.

Chose the "not a judgement" option.

put a personal comment:  

"Kindly requesting Early Exclusion from Chapter 7 bankruptcy. Grateful for your consideration."

[indiolatino61]

Congratulations on your EE success! It never hurts to ask...lol. A 75-point gain must have felt surreal. The best of luck to you.

[indiolatino61]

Seven months out with 4 cards is great, rapid rebuilding. Great job.

[MsSecondChance]

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@indiolatino61 wrote:

Seven months out with 4 cards is great, rapid rebuilding. Great job.

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Thank you! The point increase feeling was so totally awesome! 

[castor4072]

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@MsSecondChance wrote:

My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion.  As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779.  I'm super excited!

Thank you to the myfico community for helping me through this journey! 🫶🏾

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Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!

[JoeRockhead]

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@castor4072 wrote:

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@MsSecondChance wrote:

My ch 13 is scheduled to drop off my reports on June 1, 2025, so since I'm 6 months away, I decided to give the EE a try with Transunion.  As soon as I hit submit I immediately received an email that my investigation was complete. I checked the results and the bankruptcy was deleted. My score went up 75 points from 704 to 779.  I'm super excited!

Thank you to the myfico community for helping me through this journey! 🫶🏾

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Same thing happened to me last night....within a min I received my results, GONE! I'm 5 months away from it dropping off. I just wish EQ and EX can be EE too, but probably not.

Cheers!

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@castor4072 EX will do 3 months early, EQ 30 days but most people recommend letting EQ fall off naturally. Congratulations on your TU EE!