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Early removal success!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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
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
Established Contributor

Re: Early removal success!

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

Starting Score: October 2018: Ex579, TU618, EQ652
Current Score: March 2019: EX727, TU735, EQ749
Goal Score: 790's


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"My Take Home Pay Don't Take Me Home"

Disco|Cap1QS|Lowe'sBus/Pers|Tloc|HomeDepot|Walmartmc|ComenityHSN
Total Revolving 101550k| AoOA 17yr, 11mths| AAoA 4yrs, 1mth
Message 3 of 7
Moderator

Re: Early removal success!

Fantastic, grats Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 7
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: 696
Goal Score: 740


Take the myFICO Fitness Challenge

Message 5 of 7
Frequent 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
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