It's way too soon for me to ponder removing my bankruptcy early through EE, but the underlying bad accounts are a different story.
I managed to dispute the removal dates on many of them with the bureaus and got them to agree to move the dates back by 1-3 months already, so that's good. But I also plan to work on this at some point in early 2026 and see if I can get them off around maybe January or February instead of August.
TransUnion accidentally deleted my discharged car payment account instead of modifying a small data point, but that's on them and I'm not going to call them and say "Wait, come back!"
And the larger of the Capital One credit cards fell off because I filed bankruptcy after they sold it but before the new collection agency account could show up, then I disputed it with the three bureaus because Capital One didn't own it, and that one went away on all three bureaus.
Experian agreed to remove all my Citi negative payments because Citi kept reporting after the bankruptcy. So instead of just removing the ones that weren't legal, they removed all of them. Caught that last August, FICO 8 on Experian went up 5 points next update.
Equifax made an error that I only caught this month through MyFICO. They were reporting recent missed payments, and the guy "fixed it" by getting in there and removing all the lates from all bankruptcy accounts, and my FICO 8 went up 10 points the next day on Equifax.
Shake the tree. See what falls out. Shaky shaky.
While the improvements might be modest by "shaking the tree", we're never going to get this credit score back on the road if we don't work for it, and other than waiting it out, the only thing you can do is fire up the dispute canon over every complaint you can file with all of them, not get fresh negatives, and establish positive tradelines and let 'em age.
Monitor the credit reports like a hawk. If anything else gets on there, fight them over that too.
It shouldn't be this way, but if your credit score gets too bad, you can find yourself without a place to live and without a car to get you to work, all because of some dumb credit card you fumbled years ago or a medical bill that honestly, was made up mostly, and could have happened to anyone.
