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TU EE on Bk13. How much to expect

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Valued Contributor

TU EE on Bk13. How much to expect

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?

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
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Super Contributor

Re: TU EE on Bk13. How much to expect

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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect


@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.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 3 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect

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.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 4 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect

I'm 5 weeks away from requesting an EE from TU. I'm hoping for 50+ points but I'd be content with 20-25. 

 

When I signed in here I noted to myself that I have to start researching EEs so I'll ask here... Do I just dispute it on their website as being to old or do I have to call?  I read some threads in the past about people calling.

 

I believe EX will do it 3 months early and we have to wait until a month before for EQ? 

Cap 1 - $23,000 / Barclay Apple Rewards - $18,000 / Lowe’s - $17,000 / Cap 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $8800 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $158,800
Message 5 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect

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

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 6 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect

How many months early did you request it?

Cap 1 - $23,000 / Barclay Apple Rewards - $18,000 / Lowe’s - $17,000 / Cap 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $9700 / Discover IT - $7500
NFCU - $8800 / Barclay Rewards - $5400 / DCU - $5,000 / Merrick - $2400 - Total - $158,800
Message 7 of 8
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Valued Contributor

Re: TU EE on Bk13. How much to expect

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.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 8 of 8
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