Removed Chapter 7 Early!!!

[Anonymous]

Howdy 🤠

Thanks to this wonderful forum! I didn't even know that you could have negative items removed early, especially BKs. My BK was filed 3/2010 and discharged 7/2010.

From what I've read, Chapter 7 remains on your report for 10 years from the filing date.

However, TransUnion will remove items up to 6 months from the date it's set to be removed.

Not exactly in the six month window (lining up exact dates) but I decided to just go for it.

On Wednesday, I filed dispute with Credit Karma and stated I was requesting EE.

Here we are Saturday and I received notification from Credit Wise that a public record has been removed from my credit report 😱

It's still too early to notice score change but according to FAKO, my score dropped 24 points. I seriously doubt my FICO dropped though.

Now on to Equifax and Experian. I plan to request in January.

[StillKicking]

I recently (Late July) contacted TU and got an EE on my BK7. If I recall, it took longer than a few days for Credit Wise to reflect the change and my FAKOs at CK jumped 50ish points, but I'm pretty sure it was not instantly. I waited a week or so then got my free TU CR from annual credit report to confirm. Once confirmed I went to CCT and paid the $1 for my FICO 8s, TU jumped 65 points. 

I contacted EX once about an EE with no luck, so I decided to wait and let it fall of naturally, espcially considering some of the horror stories I've read about EX and EE. Just a couple weeks later EX dropped my BK7 naturally 3 months early. My EX FICO8 jumped 108 points.

You can expect a large jump in FICOs. I wouldn't be concerned with the FAKOs.

I wouldn't attempt an EE with EQ, and results are mixed with EX.

Congrats and enjoy your new scores!

[AllZero]

Congratulations on your 1/3 EE!

[Anonymous]

Oh wow! Thanks so much for sharing!! Definitely helps.

[Anonymous]

Thank you!!

[gdale6]

If you have no other derogs on file your Fico score has most assuredly risen and by quite a few points if you have done a robust rebuild.

[Anonymous]

I have two late payments from last year (silly mistakes) but nothing else. My oldest CCs are 9 years old and my car loan is 4 years. All accounts are on good standing. I was just approved for Discover with SL $12k in July and I've been paying it religiously.

[marmaladepie]

Congrats to you both! @chitowngirl1 and @stillkicking
TU removed mine 9mo early. And I tried EX without luck either but it also fell off on its own just before 3mo was approaching. Now waiting for EQ (should be next month)

[StillKicking]

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@marmaladepie wrote:
Congrats to you both! @chitowngirl1 and @stillkicking
TU removed mine 9mo early. And I tried EX without luck either but it also fell off on its own just before 3mo was approaching. Now waiting for EQ (should be next month)

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Thank you, and to you as well. It's certainly a long road.

[Anonymous]

That's awesome! Congrats! Looks like TU doesn't have a hard fast rule about six months but the others do.