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Why not. TU EE!

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Dmessina666
Frequent Contributor

Re: Why not. TU EE!

Awesome. Seems like TU is the most lenient, for lack of a better word, when it comes to removals of anything really. Must be a good feeling. 

Im on the other end as you know, filing 7 in October. Can’t wait for the creditor phone calls to start soon!!!!! 😂 

Message 11 of 23
Rogue46
Established Contributor

Re: Why not. TU EE!

Congrats @FireMedic1 

 

 





Message 12 of 23
NoMoreE46
Community Leader
Senior Contributor

Re: Why not. TU EE!

So like 27 months early ?

 

 


 

Message 13 of 23
FireMedic1
Community Leader
Mega Contributor

Re: Why not. TU EE!


@NoMoreE46 wrote:

So like 27 months early ?

 

 


 


Yep.


Message 14 of 23
NoMoreE46
Community Leader
Senior Contributor

Re: Why not. TU EE!

Dang then you got the WEEE - Wicked Early Early Exclusion.

 

 

 

 

 

Message 15 of 23
FireMedic1
Community Leader
Mega Contributor

Re: Why not. TU EE!


@NoMoreE46 wrote:

Dang then you got the WEEE - Wicked Early Early Exclusion.

 

 

 

 

 


ROTFLMAO @NoMoreE46 !


Message 16 of 23
JoeRockhead
Senior Contributor

Re: Why not. TU EE!

Very nice indeed, congratulations!

Message 17 of 23
TRC_WA
Senior Contributor

Re: Why not. TU EE!


@Dmessina666 wrote:

Awesome. Seems like TU is the most lenient, for lack of a better word, when it comes to removals of anything really. 


They're lenient if you filed a Ch 7 and will remove baddies sometimes 2-3 years in advance.

 

If you file a Ch 13 they make you wait until the very last day.

 

Ask me how I know... Smiley LOL

 

 

 



@FireMedic1 wrote:

@NoMoreE46 wrote:

So like 27 months early ?

 

 


 


Yep.


Hey congrats man... seriously.

 

As you probably know from previous posts this EE stuff really rubs me the wrong way because it isn't fair at all... but with 6 days to go until my 6th month date with TU I'm laughing it off at this point.

FICO8 current as of : 2-25-24 EQ: 655 TU: 653 EX: 656
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Gold $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 18 of 23
FireMedic1
Community Leader
Mega Contributor

Re: Why not. TU EE!

@TRC_WAAt my age. Its getting closer real quick. Too quick to worry about credit anymore. I got what I needed after BK. Home, nice ride and a good set of cards. Im set. Actually dont know what else I need any longer. Next will be retirement pension, IRA's, 401k's and all the stuff I did in life to live out the golden yrs after it will be 40 yrs in public service. So the EE was just a game to see what it will be down the road. They want it back. Take it. In my eyes I'm sitting pretty good. Smiley Very Happy


Message 19 of 23
TRC_WA
Senior Contributor

Re: Why not. TU EE!

@FireMedic1 

 

I'm 48 and this is my last go round at the credit game.  I've got 20 years before I'm in the retirement boat.

 

Where would I be if my baddies were gone 2 years early?  Probably in a lot better position than I am now.

 

The whole EE thing is just random BS.  Either make it the same for everyone or not at all.  File Ch 7 and be stuck with baddies for 10 years... not 7.5.  That's almost like getting the same breaks Ch 13 gets with a 7 year wait... except you didn't make the payments I did.

 

Not ranting at you I'm ranting at the system.  It's like the lottery and it shouldn't be.  But kudos to all the Ch 7 filers and their clean reports after 7-8 years... while I'm waiting 6 1/2 to 7 years for the same thing... and I made payments on my debt.

 

 

FICO8 current as of : 2-25-24 EQ: 655 TU: 653 EX: 656
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Gold $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 20 of 23
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