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Early removal success!

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New Contributor

Early removal success!

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.

 

NFCU Platinum $1700.00; Capital One Platinum $300.00; Discover (secure) $200.00; Bank One $300.00 (April 2017)

NFCU Platinum $1700.00; Capital One Quicksilver $1800.00; Discover $2000.00; (March 2019)
Message 1 of 7
6 REPLIES 6
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New Contributor

Re: Early removal success!

Update!  Ex representative just confirmed that the Bk is no longer in my  report!

 

NFCU Platinum $1700.00; Capital One Platinum $300.00; Discover (secure) $200.00; Bank One $300.00 (April 2017)

NFCU Platinum $1700.00; Capital One Quicksilver $1800.00; Discover $2000.00; (March 2019)
Message 2 of 7
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Senior Contributor

Re: Early removal success!

Way to go OP!  Update your scores when you can.  Congrats!

”MY TAKE HOME PAY DON’T TAKE ME HOME”


Amex (BBC, BCE-au, Lowe's Rewards, Amazon) BB&T (Spectrum Cash, Spectrum Travel, Bright) Capital One (QS-au, Venture1wemc, Spark VS) CitiBank (Staples More, Home Depot Commercial Revolving, Macy's Amex, Home Depot-au) Comenity Bank (GoodSam VS, CB Mastercard) Discover (IT cb) Regions Bank (Life VS) Synchrony Bank (Lowe's Pro, Lowe's Advantage-au, Ebay MC, Car Care-au) Synovus (Total Line of Credit) US Bank (Business Platinum Visa) Oldest acct. 1998 reporting
Message 3 of 7
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Moderator

Re: Early removal success!

Fantastic, grats Smiley Happy
Message 4 of 7
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Established Member

Re: Early removal success!

Congrats! I'm counting down the clock to do an ee on my last neg student loan. A few months to go!

Starting Score: 543
Current Score: 654
Goal Score: 740

Take the myFICO Fitness Challenge


Message 5 of 7
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Established Contributor

Re: Early removal success!

Congrats!!! These EE posts are getting me worked up about my upcoming EE in May/June











Current

Goal Cards

Message 6 of 7
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New Contributor

Re: Early removal success!

Credit score went up 54 points! I'm officially over 700 for the first time since like, ever! Thank you to all the members of this forum, I couldn't have done it without all of you!
NFCU Platinum $1700.00; Capital One Platinum $300.00; Discover (secure) $200.00; Bank One $300.00 (April 2017)

NFCU Platinum $1700.00; Capital One Quicksilver $1800.00; Discover $2000.00; (March 2019)
Message 7 of 7
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