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My BK is now off of all my reports!

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Valued Contributor

My BK is now off of all my reports!

Today is the BIG Day!!! I woke up to find EQ automatically deleted my BK so it's no longer reporting on any of my reports!!! I feel like I'm walking out of prison after a 10 year bid. Carrying a bag with my minimal belongings, shaking the guy's hand as I pass through the gate then turning to look back one more time before getting into my waiting ride that will take me to a place where I can start over. Okay, maybe not as dramatic because I started over a long time ago. I'm in a good place now.  I hope I never return to BK prison... 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $7300 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $154,300

EQ - 765 / TU - 761 / EX - 755
Message 1 of 15
14 REPLIES 14
Valued Contributor

Re: My BK is now off of all my reports!


@masscredit wrote:

Today is the BIG Day!!! I woke up to find EQ automatically deleted my BK so it's no longer reporting on any of my reports!!! I feel like I'm walking out of prison after a 10 year bid. Carrying a bag with my minimal belongings, shaking the guy's hand as I pass through the gate then turning to look back one more time before getting into my waiting ride that will take me to a place where I can start over. Okay, maybe not as dramatic because I started over a long time ago. I'm in a good place now.  I hope I never return to BK prison... 


This is great!  I asked TU for an EE for mine in Feb but EQ and EX would not return the kindness. Mine drops off in June!  My TU score shot up so I am looking forward to seeing what the other 2 will look like.  I agree, 10 years is a long time and I'm hoping to rise from the ashes stronger than I was before.

Message 2 of 15
Valued Contributor

Re: My BK is now off of all my reports!

I requested an EE from TU 6 months early.  They removed it from my report in minutes.  I then requested it from EX 3 months early. That turned into a month long process. One of my credit unions received something that said I was going to be filing for BK so I could no longer see the loans and credit card that I have with them. They fixed that when I explained what happen.  My BK filing date was 6/23. EQ automatically deleted it on the first day of the month before. I expected it to be 30 days early so it was a surprize when I saw it gone.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Apple Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $7300 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $154,300

EQ - 765 / TU - 761 / EX - 755
Message 3 of 15
Valued Contributor

Re: My BK is now off of all my reports!

I just checked EX and my BK is GONE!!! It looks like it was removed the day before my birthday!! I know the supervisor I spoke with really wanted to do it but said he couldn't but if he could find a way he would and I would know!  My score is not due to update for another 24 days and by then 3 inquiries will age to a year! 

And now all that is left is EQ- I won't even bother try to rock that boat! 

Message 4 of 15
Valued Contributor

Re: My BK is now off of all my reports!

@Hasselfree, go to www.creditchecktotal.com and do the 7 day trial for a dollar. Pull your scores and then cancel the trial. This definitely deserves some instant gratification!


Rose Gold/BCP/Delta Gold/Hilton Surpass/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
Message 5 of 15
Valued Contributor

Re: My BK is now off of all my reports!


@ImTheDevil wrote:
@Hasselfree, go to www.creditchecktotal.com and do the 7 day trial for a dollar. Pull your scores and then cancel the trial. This definitely deserves some instant gratification!

You are 100% correct!  I deserve it! 

Thank you!!

Message 6 of 15
Valued Contributor

Re: My BK is now off of all my reports!

Please share your updates if you don’t mind - we all love a happy ending Smiley Happy


Rose Gold/BCP/Delta Gold/Hilton Surpass/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
Message 7 of 15
Community Leader
Super Contributor

Re: My BK is now off of all my reports!

@masscredit  Congrats! 

EX 754 EQ 773 TU 752
Message 8 of 15
Community Leader
Super Contributor

Re: My BK is now off of all my reports!

Congrats there @masscredit!

Message 9 of 15
Senior Contributor

Re: My BK is now off of all my reports!

Congratulations @masscredit! What kind of score jump did you get?


Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 10 of 15
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