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HOW I GOT MY BANKRUPTCY DELETED


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HeyGuys/Gals,   Because somany people have requested information on how to remove their bankruptcy Idecided to start a thread so it was easy and accessible.     MySituation:   I filedChapt

You guys that have IIB accts listed and are disputing the bk public record, are still going to have future problems upon manual review. They may not see the bk if it was removed, but if you had charge

Bad things happen to good people. Bankruptcy is just a part of doing business. It is not personal. Contracts are broken everyday for a variety of reasons. That's what bankruptcy is for, to help people

Mine was deleted, as of today! Woohoo. I appreciate everyone on CB's help! :D

 

Congrats

 

DW's was just deleted. Waiting on mine.

 

Congrats!

 

As soon as it was deleted, got a USAA $9k approval. PenFed went to review.

 

Haha to funny, she got a $12K USAA Amex 5 mins after it was deleted, after being denied less than two weeks ago due to bankruptcy. She didnt try PenFed (not a member)

She did have 4 accounts that were IIB start report balances after the BK was deleted...working on getting those removed next.

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Mine was deleted, as of today! Woohoo. I appreciate everyone on CB's help! :D

 

Congrats

 

DW's was just deleted. Waiting on mine.

 

Congrats!

 

As soon as it was deleted, got a USAA $9k approval. PenFed went to review.

 

Haha to funny, she got a $12K USAA Amex 5 mins after it was deleted. She didnt try PenFed (not a member)

She did have 4 accounts that were IIB start report balances after the BK was deleted...working on getting those removed next.

 

I joined penfed right after the deletion. They do card/auto/account opening/personal loc all with 1 pull.

 

I couldn't get the Amex. Partial member. :( Went with the affiliate card, instead. Their rates sure are horrible for non-members.

 

I had 4 IIB accounts left on EQ. They all just updated to N/A and pmt history was deleted.

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Mine was deleted, as of today! Woohoo. I appreciate everyone on CB's help! :D

 

Congrats

 

DW's was just deleted. Waiting on mine.

 

Congrats!

 

As soon as it was deleted, got a USAA $9k approval. PenFed went to review.

 

Haha to funny, she got a $12K USAA Amex 5 mins after it was deleted. She didnt try PenFed (not a member)

She did have 4 accounts that were IIB start report balances after the BK was deleted...working on getting those removed next.

 

I joined penfed right after the deletion. They do card/auto/account opening/personal loc all with 1 pull.

 

I couldn't get the Amex. Partial member. :( Went with the affiliate card, instead. Their rates sure are horrible for non-members.

 

I had 4 IIB accounts left on EQ. They all just updated to N/A and pmt history was deleted.

 

Had DW join PedFed...instant approval for Amex...20K

 

I hope my BK gets deleted soon...

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Mine was deleted, as of today! Woohoo. I appreciate everyone on CB's help! :D

 

Congrats

 

DW's was just deleted. Waiting on mine.

 

Congrats!

 

As soon as it was deleted, got a USAA $9k approval. PenFed went to review.

 

Haha to funny, she got a $12K USAA Amex 5 mins after it was deleted. She didnt try PenFed (not a member)

She did have 4 accounts that were IIB start report balances after the BK was deleted...working on getting those removed next.

 

I joined penfed right after the deletion. They do card/auto/account opening/personal loc all with 1 pull.

 

I couldn't get the Amex. Partial member. :( Went with the affiliate card, instead. Their rates sure are horrible for non-members.

 

I had 4 IIB accounts left on EQ. They all just updated to N/A and pmt history was deleted.

 

Had DW join PedFed...instant approval for Amex...20K

 

I hope my BK gets deleted soon...

 

Congrats!

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Congrats! I'm amazed how simple it is with EQ. It is like they are not even trying. I'm still working on TU and EX. I deleted the address tied to the BK on TU and it is currently being investigated. The dispute will be completed by 10/5. I originally tried to dispute the BK with TU a couple of months ago without removing the address and they verified it.

 

EX is a pain in the neck. How are you guys removing the address? Do I have to do a fraud alert or something?

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Congrats! I'm amazed how simple it is with EQ. It is like they are not even trying. I'm still working on TU and EX. I deleted the address tied to the BK on TU and it is currently being investigated. The dispute will be completed by 10/5. I originally tried to dispute the BK with TU a couple of months ago without removing the address and they verified it.

 

EX is a pain in the neck. How are you guys removing the address? Do I have to do a fraud alert or something?

 

Spydc- Keep calling EX until you find someone that will remove the address. I called a few times before I found a rep that didn't mention the tradelines at all.

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I'm so jealous. Unfortunately I still live at the address on file where I filed bk, but congrats to everyone who was able to get this to work for them.

 

ditto!

 

Is there any workaround if multiple address are listed but current address is same as for BK filing?

 

I would rent a mailbox at UPS store to get the record deleted.

 

OCCG

 

 

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Congrats to everyone!!! OP Thanks for the info. I sent in a copy of my DL which shows my current address, same address as my BK to EQ a few months ago while submitting a dispute. Do you think this would still work if I changed my address and disputed it? or am I screwed because I sent in confirmation of my address?

 

 

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EQ deleted my BK today. Fico went up over 100 points to 765!

 

So far this morning approved for USAA Amex $15,000 & USAA World Mastercard $15,000. Penfed was refered to a loan officer for $19,500.

 

Now to work on EX and TU.

 

That's great. But what do you think is going to happen when USAA does a review on EX or TU? They will see the BK listed on both reports and your accts will likely be shut down immediately.

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EQ deleted my BK today. Fico went up over 100 points to 765!

 

So far this morning approved for USAA Amex $15,000 & USAA World Mastercard $15,000. Penfed was refered to a loan officer for $19,500.

 

Now to work on EX and TU.

 

That's great. But what do you think is going to happen when USAA does a review on EX or TU? They will see the BK listed on both reports and your accts will likely be shut down immediately.

 

clapping.gif People never think of this. Yes, you absolutely can get lucky and have these creditors only ever AR the same report they pulled. But these days, more and more are pulling and AR'ing more than one report.

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EQ deleted my BK today. Fico went up over 100 points to 765!

 

So far this morning approved for USAA Amex $15,000 & USAA World Mastercard $15,000. Penfed was refered to a loan officer for $19,500.

 

Now to work on EX and TU.

 

That's great. But what do you think is going to happen when USAA does a review on EX or TU? They will see the BK listed on both reports and your accts will likely be shut down immediately.

 

clapping.gif People never think of this. Yes, you absolutely can get lucky and have these creditors only ever AR the same report they pulled. But these days, more and more are pulling and AR'ing more than one report.

 

I knew there was a possibility of an AR on TU and EX. In fact, USAA did one on EX the day after my card was approved. So far.... They haven't taken any AA.

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EQ deleted my BK today. Fico went up over 100 points to 765!

 

So far this morning approved for USAA Amex $15,000 & USAA World Mastercard $15,000. Penfed was refered to a loan officer for $19,500.

 

Now to work on EX and TU.

 

That's great. But what do you think is going to happen when USAA does a review on EX or TU? They will see the BK listed on both reports and your accts will likely be shut down immediately.

That's the main reason why I won't do it, because I know Amex do reviews on EX

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