My BK13 vanished from my EXP report (only D/C in 12/15).

[creditmonger]

I just updated my EXP report FICO to see a 35 point jump and lo and behold discover my BK13 which was only DC in 12/15 is gone, completely. No more Public Record. 

I have access to the other two bureaus' FICO's and its still showing there. 

Anyone have any thoughts on whats up besides not looking a gift horse ...?

[Scupra]

When did you file your BK?

[Anonymous]

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@creditmonger wrote:

I just updated my EXP report FICO to see a 35 point jump and lo and behold discover my BK13 which was only DC in 12/15 is gone, completely. No more Public Record. 

I have access to the other two bureaus' FICO's and its still showing there. 

Anyone have any thoughts on whats up besides not looking a gift horse ...?

---

It seems that 12/17 would be 7 years which is when a Chapter 13 will fall off if the discharge was 12/15.  I have heard that Experian removes Chapter 13 6 months early.

Seems that is what they did.  The others I think will remove it a few months early as in 2 months before the 7 years but I am not 100% sure.

[Anonymous]

That's the key, when did you file bankruptcy?

[creditmonger]

My bad. Thought I checked "email when someone replies". 

Anyway. Filed in October or November of 2010. Very surprised, pleasantly, to read these remarks. Thanks

[luxeprw9]

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@creditmonger wrote:

My bad. Thought I checked "email when someone replies". 

Anyway. Filed in October or November of 2010. Very surprised, pleasantly, to read these remarks. Thanks

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Congrats!  Has to feel fantastic!  I can't wait until mine fall off early next year.

[Anonymous]

Congrats.  I got an alert from CCT logged in and saw that my Chapter 13 was removed.  I thought it was a mistake until I saw your post. 

My case was filed end of October 2010 and discharged end of January 2016. 

As soon as the BK was removed it caused an account that was IIB to start reporting with a balance owed and delinquent so I disputed that. 

My score increased 20 points but I am hoping it will increase more once the IIB account reports as it should..

[Anonymous]

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@Anonymous wrote:

Congrats.  I got an alert from CCT logged in and saw that my Chapter 13 was removed.  I thought it was a mistake until I saw your post. 

My case was filed end of October 2010 and discharged end of January 2016. 

As soon as the BK was removed it caused an account that was IIB to start reporting with a balance owed and delinquent so I disputed that. 

My score increased 20 points but I am hoping it will increase more once the IIB account reports as it should..

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I had an account try that while it is still listed.  I have a dispute out on it now.

[Anonymous]

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@creditmonger wrote:

My bad. Thought I checked "email when someone replies". 

Anyway. Filed in October or November of 2010. Very surprised, pleasantly, to read these remarks. Thanks

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That explains it. Chapter 13 Bankruptcy is deleted 7 years from file date, not discharged date. Yours was deleted a few months early.

[creditmonger]

UPDATE and question:

My official date filed was 10-26-2010 and still only EXP shows as deleted (since late June/very early July). 

1) Any idea when it may fall off TU and/or EQ?

2) In light of the EXP drop is it *reasonable* to to file a dispute w the other two in an attempt to move the time line along?  Another month or two wont kill me but I am getting antsy. 

Thanks.