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Point increase after Bankruptcy falls off??

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urluckypenny1
Contributor

Point increase after Bankruptcy falls off??

What's the typical points increase when a bankruptcy falls off?? Mine due to fall off October 31? 

Message 1 of 9
8 REPLIES 8
Rogue46
Established Contributor

Re: Point increase after Bankruptcy falls off??

I think every file is different. I received a 88 point jump when the bk fell off TU. The other two won't budge on EE so I have to wait and see with them.





Message 2 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Point increase after Bankruptcy falls off??

Theres no set number. I got my BK off TU early. 41 pts. You can go online to TU dipute site. Click on your BK.Click "other" and type "too Old". It will be gone in seconds. EX 3 months early. Calland ask for early exclusion. Your in that timeframe now. Dont mess with EQ.



BK Free Aug25
Message 3 of 9
urluckypenny1
Contributor

Re: Point increase after Bankruptcy falls off??

Called experian yesterday, was told I couldn't get early exclusion. Maybe I Ahould retry

Message 4 of 9
Namaste7
Established Contributor

Re: Point increase after Bankruptcy falls off??


@urluckypenny1 wrote:

Called experian yesterday, was told I couldn't get early exclusion. Maybe I Ahould retry


@urluckypenny1 , per your other post, if your filing date is Oct 31, 3 months is July 31 and Experian may do this automatically. It might be best not to rock the boat and allow this process to play out as it will. In 100 days (or less), this will be behind you. Hang in there!

Message 5 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Point increase after Bankruptcy falls off??

@urluckypenny1You can do as I posted above now for TU.

https://ficoforums.myfico.com/t5/Bankruptcy/Why-not-TU-EE/td-p/6684150 



BK Free Aug25
Message 6 of 9
urluckypenny1
Contributor

Re: Point increase after Bankruptcy falls off??

I dont see the area were the dates are too old 🤷‍♂️
Dont want to risk anything, it says Oct 31 2013 was my filing date. Id rather wait 3 months than risk anything more.

Message 7 of 9
sznthescore
Established Contributor

Re: Point increase after Bankruptcy falls off??


@Namaste7 wrote:

@urluckypenny1 wrote:

Called experian yesterday, was told I couldn't get early exclusion. Maybe I Ahould retry


@urluckypenny1 , per your other post, if your filing date is Oct 31, 3 months is July 31 and Experian may do this automatically. It might be best not to rock the boat and allow this process to play out as it will. In 100 days (or less), this will be behind you. Hang in there!


I concur. Experian removed mine early like two - three months ago without having to ask or do an EE request.

REBUILDER CARDS

GOAL CARDS




Goal: FICO 700+
Message 8 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Point increase after Bankruptcy falls off??


@urluckypenny1 wrote:

I dont see the area were the dates are too old 🤷‍♂️
Dont want to risk anything, it says Oct 31 2013 was my filing date. Id rather wait 3 months than risk anything more.


There isnt a catagory to click for age. Theres a box at the bottom of the page. Type in "Too Old"



BK Free Aug25
Message 9 of 9
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