I have a Bk chapter 7 scheduled to fall on May 2019. I decided to call Transunion 90 days before May 9th and ask for early removal. To my surprise, the rep only asked me if I want to dispute the Bk. I asked her to remove it earlier as a favor and she told me that they can’t do that but she asked me again if I wanted to disputed it. I say yes without thinking much and she ended the call. Two days later, surprise! The Bk was gone. Score went up 50 points!
I then decided to dispute the Bk with Equifax using the CK dispute link. No luck with them. They validate the Bk so I guess I have to wait to May for them to remove it.
I am now on the phone with Experian to do the same thing. I read in the forum that Ex is more lenient that Eq so here I go! I will let you know what Ex decide to do.
Update! Ex representative just confirmed that the Bk is no longer in my report!
Congrats! I'm counting down the clock to do an ee on my last neg student loan. A few months to go!