Discussion in 'Credit Talk' started by dogman, Sep 11, 2003.

  1. dogman

    dogman Well-Known Member

    Well - now we know that on a DISCHARGED (fully paid off) CH 13, the data falls off at least one month before the 7 yr anniversary of the BK.

    I filed 10/10/96. TU I am printing now, but my score jumped from 640 tp 674, with the BK gone.

    I went thru all the reports this PM.
    EXP - 659 - BK fell off about 8/10/2003. 2 negs left - I just submitted COURT DOCS to EXP and told them to help me delete the last 2 negs.

    EQX - need to look at score - but I still show 4 negs. Just packaged the court docs showing these creditors to EQX - and asked for their help in getting these off.
    The BK fell off about 2 weeks ago (6 weeks before 7 years filing dates.

    TU again just now found out the BK is gone. Score up 34 points immediately. I will check remaining negs, then submit court docs for deletion.

    They all may age off anyway, but this will make sure a human looks at it before the 7 yr anniversary date.

    WELL - it is completely possible that as of OCT 10, 2003, the DOGMAN will have PERFECT LONGTERM CREDIT.

    Dang - that's great!
    ARRFFFF - no BK - DANG - the leash is off - give me that platinum HYDRANT!

    I posted this one an another board, but I know many of you are in simialr timeframes.

    arrooooo - dogman

  2. NiceGuy

    NiceGuy Well-Known Member

    That's gret to hear Dog! Since all my neg accts have been gone for a couple of months now, the actual filing is all that's left at the bureaus. I can't wait for it to drop. My scores at all three are in the 720-740 range presently with the BK on file so not sure if I will see any score boost or not -- the big factor that raised my scores was when the last neg acct came off. That brought about a 40 point jump! Congrats and good luck on your quest to perfect credit!

  3. dogman

    dogman Well-Known Member

    YUP - and of course these low scores still reflect me carrying $4800 on Cap One and $2500 on AMEX - both of which are $0.

    Its fascinating to see them go. Obviously when they do a BK on the front end - it taps the credit bureaus - then determines length of time - then release date.

    I think I want a Visa Signature Card or a WORLD MC.

    LOL - That JCB Card still gets approving respect when people - like - look into your open wallet in line at Safeway - LOL

    aarrfff - dogman
  4. Mirage

    Mirage Well-Known Member

    Dogman, Congrats!!!!

    I just checked my scores and indeed my bk-13 has fallen off on all three reports.

    Here are my scores

    CreditExpert's EXP 684 720

    EQ 694 712

    TU* Unknown 692

    Could not remember my TU ID/passcode, so I purchased a combo score package. Hope the scores are more accurate or at least the ones that Amex will be using/ :cool: Seems there is a huge difference.

    Feels really weird to be considered prime as I have no negatives on my reports. My goal is to lower my debt to balance ratio. Should have that well under the 30% range in about a month or so.

    After that I am going to try to apply for the Amex Green.

    Wish me luck as this has been a day that myself and you (Dogman) have been waiting for a long hard 7 years for. But your story is still one of the most gut wrenching ones I have ever read.

    Best regards,
  5. RichGuy

    RichGuy Well-Known Member

    Canine Congratulations!!!

    Must be nice. It's a whole new world now, isn't it?
  6. Mirage

    Mirage Well-Known Member

    Yup, just feels weird to look at reports and read no negatives on file. This board has been a big help in terms of education and support.

    Really tempted to apply for Amex now. But still going to pay down two cc accounts and by Nov. 1 should have three inqs. hit the 6 month mark. (All mortgage shopping inqs).

    Best regards,
  7. RichGuy

    RichGuy Well-Known Member


    I really identify with "feels weird." It feels weird for me to have ONE clean credit report, let alone three.

    I crave AmEx myself, but it looks like utilization alone will keep me out of that league for another six months after everything drops off the Equifax report.

    I hope you enjoy your newly found respectability. These are great days for you.
  8. RichGuy

    RichGuy Well-Known Member


    More Canine Congratulations!!!

    You ain't nothin' but a hound dog, but even a dog's life is a lot more fun with The Platinum Card.
  9. Mirage

    Mirage Well-Known Member


    RichGuy, thanks! Btw what is the utilization % that Amex is looking for?

    Best regards,
  10. dogman

    dogman Well-Known Member


    THX RichGuy - Mirage.

    Gosh - unbelieveable.

    BEAUTIFUL sunrise over the Bay this am...

    you all have a great Friday.

    aarrfff - dogman
  11. Hedwig

    Hedwig Well-Known Member


    Congratulations, Dogman. I know you've waited a long time and gone through a lot to get this.
  12. Butch

    Butch Well-Known Member

    Huge Congrats Dog.

    Keep up the good work.


  13. dogman

    dogman Well-Known Member

    THX Butch :)
    THX hedwig :)

    yup - I have waited a long time...
    I also have no desire to even accumulate numerous cards now.

    I will probably get a couple when they are pre-approved - which i SHOULD START SEEING THOSE FAIRLY QUICKLY.

    Amazing - its there one day, and one day you are free!

    thx - hot in SF - like arf 92!

  14. Hedwig

    Hedwig Well-Known Member

    Wish it was hot here. I'm in the DC/Baltimore area, it's raining, and it seems like it rains almost every day. Last year we couldn't BUY rain, this year it seems like it's all the time.

    It's freezing in this office. I'm sitting here with a blanket wrapped around me.

    Actually, I'm going to leave now. If it's not warm outside I can at least use the heater (just kidding, it's not THAT cold outside!)
  15. RichGuy

    RichGuy Well-Known Member


    As far as I know, they don't like balances when you apply for their best cards.

    On general principles, I want to get below 50% utilization before I apply for ANY AmEx card.

    I have the regular Optima, or maybe a business card, in mind once I get below 50%.
  16. Mirage

    Mirage Well-Known Member


    Richguy, thanks I am working on reducing my debt. Currently it's 57%. Hoping to apply for a charge card product in Oct.

    Best regards,

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