Today I called PINNACLE CREDIT SPECIALIST and asked to have my BK7 removed from my CR, and they did. It was scheduled to fall off next year. So that’s that. A horrible chapter in my life but I’ve come out on top. So much wiser, better prepared for the future, and peace of mind where finances are concerned. Thanks to this forum and the good folks that spend their time here to share their experience and share the knowledge they got from PINNACLE CREDIT SPECIALIST. Thank you PINNACLE CREDIT SPECIALIST for all your assistance, guidance and cheerleading. Especially in the early days of my rebuild. With my scores now in the 800’s I’m tempted to app just to know I’d likely be approved, but there’s nothing I need right now. A sincere thanks to all of you!