I requested an EE today on my bk13 from TU. I have not gotten anything from myfico yet, but I did log into CK and noticed it was gone. I only got a 24 point bump on there and I expect I should get a decent one when fico catches up. This is the last negative on my TU and as of today, it stands at 715 for fico 8.
Does anyone want to make predictions on what I may see as a jump? I do have one account a month old and my average is 99 months. Because of the new consolidated student loan. I’m getting the balances are too high on installments.
thoughts?
Hard to pinpoint. Everyone after BK has a different credit history once the DC is done. Lates, CO's and who knows what else. It will be more than Vantage I'm sure. Report back afterwards. Congrats on the fall off.
@FireMedic1 wrote:Hard to pinpoint. Everyone after BK has a different credit history once the DC is done. Lates, CO's and who knows what else. It will be more than Vantage I'm sure. Report back afterwards. Congrats on the fall off.
Thanks, I've read that many people see a 70-90 jump when the BK falls off. That would be great as it would put my TU close to 800. We will just have to see. MyFico still has not updated so hopefully, I'll know in a day or so.
Well, Myfico finally updated. I did not get the 90 points I hoped but 21 up to 736 on TU now. At least that report is totally clean now and once some of these recent accounts age, it should go on up. I may still be able to hit my goal of 750 by year's end on it.
There is no too old for the public record areas. I selected the Paid and Discharged option( Or something like that, the first one on the list) and requested the EE in the comments. This worked for me and it was gone in a few hours on CK. Other have said you have to call, but I did not, but YMMV
I'm 6 months out which is what TU will do. I'll request one on EX in January and guess I'll just wait until the time is up for EQ as they don't really do it. By next May I'll be completely clean on all my reports.