@Anonymous wrote:
Alot of people seem to have great success with TU deleting items early. I too had a discharged BK13 that was filed in August 2010 deleted six months early on my TU report. I have had zero luck getting it deleted early from EQ and EX. I've called a few times over the past few months and tried submitting it online as well. Oh well, I guess I'll have to wait until either July or August for them to delete it.
Yeah, TU is great with early deletion, EQ & EX not so much. My 7 accounts included in my 2010 BK7, several with late pyments, were due to fall off my reports from April thru August. In early April I used CreditKarma's Direct Dispute (worth a CK account alone!) to dispute with TU, they had a reason in the list "account too old to report" which I chose, TU removed all of them and my TU Fico jumped from 677 to 720. I also disputed directly with EQ & EX, they didn't have a "too old to report" reason to choose, so I put that in the comments. EX & EQ removed 5 with the remain two reporting as late - 1 was, the other was my mortgage which I didn't reaffirm on advice of my attorney, but I was never late prior to filing, during BK, or the 7+ years since. Oh well, EX & EQ Ficos are both still 686, August can't come soon enough, when the last one, my mortgage, falls off.
