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I knew it would probably be for not but as a test I disputed my Chapt. 13 from 2009 based on the fact that I filed and then changed my mind within a week. To my surprise I just learned today that TU removed from my report! Test passed, onto EQ and EX!
Great news, I will tell you I was in the same boat with a dismissed Ch13 BK from 2005. Both EX and TU deleted with no issues, however EQ said very matter of factly that dismissed Ch13 BKs remain for 10 years! This is a huge bummer because I want it gone.
I just disputed again last week with a letter I found that worked for some in the same situation on another site. Hopefully they delete. Just my two cents.
@ABD wrote:Great news, I will tell you I was in the same boat with a dismissed Ch13 BK from 2005. Both EX and TU deleted with no issues, however EQ said very matter of factly that dismissed Ch13 BKs remain for 10 years! This is a huge bummer because I want it gone.
I just disputed again last week with a letter I found that worked for some in the same situation on another site. Hopefully they delete. Just my two cents.
You know I have pretty much just "gave up" when it comes to EQ! They have ALWAYS been my lowest score and I know they will snub my request for the removal based on everything I see and hear! 2 out of 3 aint bad!
Anyone hearing of this for chapter 7's?
@Broke_Triathlete wrote:Anyone hearing of this for chapter 7's?
The only thing I have everh heard for Ch. 7 is you can get it removed a few months early and again that is TU and EX, NOT EQ.
I would venture to agree with you. I had some collections removed from TU and they were removed from all 3 reports.
@robertkinder wrote:I knew it would probably be for not but as a test I disputed my Chapt. 13 from 2009 based on the fact that I filed and then changed my mind within a week. To my surprise I just learned today that TU removed from my report! Test passed, onto EQ and EX!
Grats, typically a dismissed 13/7 can stay for 10 years but I know its TU & EX policy to drop it at 7 years if it was voluntarily dismissed TU has given you a way early gift.