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TU CRA surprise !

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morgacj2004
Valued Contributor

TU CRA surprise !

BK dropped off early (TU only) huge score increase! Chapter 7 hits 7 years on 11/12/19. Dropped off early following disputes call. Score went to 793 which is + 56 points. I am not complaining. Inching toward that 800 goal.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 1 of 11
10 REPLIES 10
FireMedic1
Community Leader
Mega Contributor

Re: TU CRA surprise !

You disputed a BK and it fell offf early on TU your saying? It will come back once the investigation is done.


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 2 of 11
simplynoir
Mega Contributor

Re: TU CRA surprise !

Congratulations there!

Message 3 of 11
morgacj2004
Valued Contributor

Re: TU CRA surprise !

It most likely won’t come back as the court never responded back by the req deadline to TU

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 4 of 11
EW800
Valued Contributor

Re: TU CRA surprise !

Congrats!  Having a BK falloff is a BIGGIE!   Smiley Happy 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 5 of 11
Remedios
Credit Mentor

Re: TU CRA surprise !

Congrats!
Message 6 of 11
Jkrause702
Regular Contributor

Re: TU CRA surprise !

What was the grounds for your dispute?






Message 7 of 11
FireMedic1
Community Leader
Mega Contributor

Re: TU CRA surprise !


@Jkrause702 wrote:
What was the grounds for your dispute?

I'd love to know @morgacj2004 what did you put in the dispute. Its not mine to get it deleted under 7 years as a Chapter 7?


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 8 of 11
morgacj2004
Valued Contributor

Re: TU CRA surprise !

I simply told them to verify all of the details regarding the BK. I have been told TU is the easiest CRA to get a BK removed esp after 7 years.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 9 of 11
Lostinthegame
New Contributor

Re: TU CRA surprise !

I would love to say that the TU is the easiest but it proved me wrong.
I'm 5 years out of a chapter 7 and TU is the only CRA showing it.
I'm trying to get my file from LCI and they replied saying that they don't need to provide my report.
And, TU is not giving any info about where they are getting this "verified" thing! My Lexisnexis report is clean.

Goal cards:
Message 10 of 11
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