Thats sounds fantastic! I have never experienced anything like that with about 30 tradelines on TU. If I noticed that everytime I added a new account, a closed derogatory account was removed (as if there is some kind of max for amount of tradelines on TU), I would start applying for new credit like crazy.
The bancruptcy might not be included with the tradeline max that there seems to be on TU, but you might as well try since you are in a perfect postition to test it.
I have not heard of CRAs deleting, on their own volition, accounts that are less than 7 years from closing date. Their 10 year informal policy from closing date is based on retaining accounts that may still have CR exclusion period derogs remaining, all of which are at least 7 years.
I would suspect that the creditors have most likely reported deletion rather than the CRAs doing administrative deletions.
Creditors have reason to delete.... it eliminates any hassle on derogatory accounts, as no disputes can thereafter be directed to non-reported information.
But just my speculation.... have you contacted them and determined if the creditors reported the deletions?
I was not suggesting calling the creditors. I was suggesting calling the CRA.
Are you positive they are deleted? They may just be not showing on the report (maybe a limitation of the report format). Where are you getting the report from?