TU EE success - 9mo out

[marmaladepie]

A pleasant surprise indeed! I know Transunion typically does 6mo early exclusion, but I thought I'd give it a try at 9 months.

BK7 isn't due to come off until mid Nov 2019. I disputed it online, checking the box that mentioned the date (sorry, forgot the exact wording).

In the comment box, I wrote "Kindly requesting early exclusion."

Within 24hrs, I got a notification with the results and that it had been deleted.

I've had 20yr credit history and the past almost 10yrs have been living with this blemish. I've certainly learned from my mistakes and will not put myself in that situation again. The guilt still lives on though.

I only discovered this forum last year and appreciate so much everyone's input, advice, stories, feedback, encouragement...you name it.

What a great community.

Current Fico 8: 

756 EQ

745 TU

742 EX

Will update new TU score if any, when I get it.

Looking forward to getting EQ and EX blemish free later this year.

[MrsDW]

Congratulations!

[radfam]

Well done!

[Anonymous]

Great recovery!

[marmaladepie]

thanks so much guys.

just got an alert.

TU went +67pts to 812.

it's incredible to think that TU graciously removed the bk 9 months early considering that they are sometimes uptight with just 6mo + 1 week in some cases that i've read on here. 

this should give other hope who are looking for EE!

[marmaladepie]

I recently posted about a successful EE on TU 9 months early:

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/TU-EE-success-9mo-out/td-p/5504797

(have read that 6mo is usually the case) so I feel extremely lucky.

To anyone who was or is in a similar boat, you can do it!

Other DPs:

AAoA: 5yrs 8mo

Oldest Acct: 14yrs 3mo

Youngest Acct: 8 mo

Inquiries: 1 in the last yr, 2 in the last 2 yrs

Accts: 2 installment, 7 cc

Util: 8%

[Anonymous]

Oh that’s got to be a wonderful feeling seeing that 800+ score! Congratulations and thanks for the DP, I’ll try to get mine off in December lol!

[19eighty5]

Congratulations on the EE!

[800FICOGoal]

Sweet!!!! I wish EX would do the same. I have no negatives on TU.

[Anonymous]

Wow! It's rare seeing bankruptcy and an 800+ score in the same post. But with all your diligence and patience, it sounds like you deserve it. Good work!