Fico score increased!

[Anonymous]

Hi everyone! I woke up this morning and checked my Discover account and saw my Transunion report had updated. My score is 757!! I cried as my credit had never been this good in a longtime.

TU is my only clean report thus far since my Chapter 13 discharge in March 2017. No derogatories. EX still had one account showing that was included in my bankruptcy that I am currently disputing. EQ is the only CRA that still is listing the bankruptcy they refuse to let me be great! 🙄.

Lastly, thanks (which is not enough) to this forum and the people here I have managed to improve my score immensely. My TU Fico went from 508 6/2017 to 757 1/2018. 😎.....to the garden I go.

[egghead88]

That’s great news and this is the way to inspire others!! Congrats!

[Anonymous]

A ~250 point gain in a little over 6 months is right up there with the GOAT increase stories I have heard.  You have every right to be extremely happy and proud of that accompishment.  Congratulations.

[Anonymous]

Thank you @brutalbodyshots and egghead88.

[EW800]

Outstanding recovery!  Congratulations!!   

[tholtrich]

my scores as of Aug 1 2018 were as follows: tu 433, eq 443 and ex 444. after disputing binge 😆 and getting std ln current by getting income based pymt plan. update: as of Aug 29 2018 tu 459, eq 479, and drumroll........ex 512!!!!😜

[dynamicvb]

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@Anonymous wrote:


TU is my only clean report thus far since my Chapter 13 discharge in March 2017. No derogatories. EX still had one account showing that was included in my bankruptcy that I am currently disputing. EQ is the only CRA that still is listing the bankruptcy they refuse to let me be great! 🙄.

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So how long has the BK been off TU? Did you request an EE, if so how far out? Because by my math you are still 7 months out on when it should fall without an EE and EX should definitely still be there. 

Congrats on the increase

[Anonymous]

TU will usually remove 6 months prior to the time of should fall off. EX I believe will do 2 months and EQ will do 3 months or vice versa. YYMV

[dynamicvb]

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@Anonymous wrote:
TU will usually remove 6 months prior to the time of should fall off. EX I believe will do 2 months and EQ will do 3 months or vice versa. YYMV

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That is my understanding too. So is your bk13 still listed on your TU? It sounded from above that it’s gone, but if you discharged on a 5 year repayment it won’t be seven years until March 2019.

[Anonymous]

My chapter 13 was filed 3/2011....due to a lot of things that happened along the way that it wasn't discharged until a year later. So the 7 year mark was 3/2018. I hope this helps....both EX and EQ soon followed shortly there after, I believe EX being the last to remove it.