Hey Dog! Did your BK 13 by chance drop off today??? I know some of the CR's have been deleting two months early... -NiceGuy
I don't about Dogman. But we are both set for Oct/2003. My bk-13 did drop off on my CreditExpert EXP report. Also drop 51 pts from my FICO with them. The other two reports the bk-13 notation is still there. Best regards, Mirage
Hey NiceGuy - it fell off EXP - still was on the others when I looked last week. GREAT - hope you are doing fine NG! arff - dogman
Hey Dog! Thanks for letting me know. My fall-off date is 11/03. If EQ treats the filing in the same way as a neg acct, it should fall off on 9/1 in your case. They have been consistently dropping items one month prior for me and EX two months prior. Keep me posted and I will do the same. Hope all is well! -NG
Hi mirage - NiceGuy - yes - it is exciting - we have all waited so long - and in a couple of months we will be GREAT! We are futurists - we see control and positive things in the future - and disregard unimportant past roadblocks. aarrff - dogman
dogman, yup things are looking up. Just looked at another property and put an offer in. As for the cc rebuilding at this point just waiting for the bk-13 to fall off on the other two reports and start going for the prime stuff. Question- did you score drop when the bk-13 fell off your EXP report? Best regards, Mirage
hi mirage - no it didn't fall - until this week when Macys reinserted - which must be deleted forever by 10-03.... I can wait. best - dogman
What cards do you guys plan on going for when it drops? I am thinking Amex Blue 7.99 fixed for one...
Re: Re: Dogman! Really looking hard at the Amex products, at this point the green first than the blue. I know I need a clean cr and a score in the 680 range. As for a VISA/MC looking at B of A, Bank One's Disney card and maybe Chase. My aim is a card that is decent in APR and a high CL. I have no shot with Citibank as I bk on them. Does anyone know if Bank One has a blacklist? I currently have a checking account with them and full debit card access. Staying away from Fleet, MBNA, and Discover. I do plan on dropping my Providians and Cap 1. Still need them for the history. Just preplex that dogman did not drop in score and I have lost 51 points since EXP drop the bk-13 off my cr. The only thing I can think of is to reduce my debt load to the 15% level. Just paid off my Cap 1 in full the and I did max the limit , also paid off one of my Providians. Have to inform Dell that my account is paid in full. I have three inqs all from mortgage shopping. Best regards, Mirage
Re: Re: Dogman! I will hopefully upgrade the AMEX to Gold or Platinum, then get a BLUE. I also want CHASE. arff - dogman
Re: Re: Dogman! Hey, Dog! 11 more days should yield you excellent results. I can't even imagine the anticipation you must have. I am going crazy here and have another month to go after you! EQ and TU will no doubt delete on 9/1! Big plans for a celebration?!? NiceGuy
Re: Re: Dogman! NiceGuy - do you really think they will delete 9/1 - I filed 10/10/96 - so it could be 10/10/03. Dude I want a condo and if this crap goes I'm living in a place! aarrff - hope it goes - it went off of EXP already! aarrfff - dogman
Re: Re: Dogman! I think (hope) they will delete on 9/1, since they have deleted all my negative accounts in this manner. For example, any account that had a DOLA of 4/1996 was deleted like clockwork on 3/1/03 and so on....let's hope the public records follow the same protocol! Do keep me posted on 9/1 and best of luck! NiceGuy
Re: Re: Dogman! Dog! My 13 is gone from EXP today! That only leaves EQ and TU which should drop on 10/1! What a great feeling!!!! I am going for Amex Blue 7.9 fixed once it is off the other two. BTW, EXP CE score jumped by 21 points to 718. -NiceGuy
Re: Re: Dogman! FANTASTIC NiceGUY - really great! BofA just deleted my negs - hopefully the otyhers will go in a week or two. GREAT! Dog
Re: Re: Re: Dogman! NiceGuy, Congrats! Did your Exp score drop? Like Dogman my EQ and TU report has the bk-13 gone. So I guess you can expect your bk to fall-off from EQ and TU about a month from your filing month. I myself will apply for an AMEX product in the near future. I did not file bk on Amex but did have a bad payment history with them. Amex cancelled my account but I never owed them money. This was over 20 years ago and I hope this will not harm my chances for an approval. Best regards, Mirage
Re: Re: Re: Dogman! Niceguy, just read your post again about your CE/EXP score going up. If memory serves me right Dogman's scores when his dropped off remained unchanged. I lost 51 points! My current score on CE/EXP is 684, but MyFICO.com/EXP score is 720. Same info on both reports and the reports were pulled on the same day. As a matter of fact I pulled my CE/EXP score a week later and the score is still 684. Best regards, Mirage
Re: Re: Re: Dogman! Dog, thanks...I'll keep you posted. Mirage, Thanks to you as well. Did you have any other negs on file or just the public record when it dropped? The filing itself was my last neg. Not sure if that may have something to do with it? -NiceGuy
