Credit Bureau Early Exclusion and Bankruptcy

[Johnworker1]

Please let us know how much your score jumps. There is not much detailed data out there except for shipo's and mine here.

I didn't keep track of my scores the way I should have and I was looking on my credit card score models (CreditWise) and my Chase Bank score model at first but now I read them off of the actual bureau. When I purchased my car (1 week after discharge) they said my score was 580 but didn't know which one but now my TRW is 679 Experian 736 and Equifax 672 read off of the bureau's website. The Experian and Equifax just took a dip of 18-22 with the only change recent is all 3 of my credit cards are reporting 0 balance (will change this month) and my bankruptcy just dropped off of Equifax (HOORAY) just as JustBroke detailed in this thread. When I used the Equifax boost function that adds on my autopay bills by linking with your bank account it shot up another 22. Interesting enough my Chase computed credit score is now 702 lower than my highest of 722 during bankruptcy.

[shipo]

Keep in mind, the only bureau which gives you an actual FICO credit score is Experian, both Equifax and TransUnion give what are often called FAKO scores as they are Vantage 3.0 scores which are basically unused by over 95% of the financial institutions out there (and I wouldn't want credit from those which do).

As for how to see your full array of 30+ FICO scores, you'll need to subscribe to one of the services which provide those; this typically runs between $25 and $40 per month for the privilege. Most folks subscribe for a few months before/during/after significant events like Bankruptcy discharges and/or right before they are planning on applying for a mortgage.

[celticsfan]

I wanted to try the Transunion early exclusion as I am discharged and below the 6 month threshold where it will fall off on it's own. Would I only be disputing the actual bankruptcy or do I have to also dispute the accounts that were included in the bankruptcy?

[justbroke]

I wanted to try the Transunion early exclusion as I am discharged and below the 6 month threshold where it will fall off on it's own. Would I only be disputing the actual bankruptcy or do I have to also dispute the accounts that were included in the bankruptcy?

Dispute the "public record" in the public records section of your report. That's all. Do not touch the accounts. For the dispute you just put incorrect or not mine or something similar.

[celticsfan]

Thank you so much! I just did it and it literally was successful in less than a minute!

[justbroke]

Thank you so much! I just did it and it literally was successful in less than a minute!

They are pretty fast! Don't touch the other credit bureaus. They will fall off at the right time.