topic Re: Experian removed my chapter 13 BR early in Rebuilding Your Credit

Experian removed my chapter 13 BR early

Mad12345 — Sun, 21 Feb 2021 17:20:59 GMT

Experian removed my chapter 13 BR early without me asking. The BR was due to fall off on May 31st of this year. Transunion removed the BR 6 months early ( I called in and requested an EE for TU). Equifax is the only one remaining. Gonna try for an EE with EQ on May 1st. Anyway, I woke up this morning and got on the board to read and do research like usual the last few months. I noticed the score jump as soon as I got on the board ( my score refreshes on the 21st every month). Here are the score changes. EXPERIAN----EX8 693 to 745. EX2 636 to 700. EX8 card 694 to 750. EX8 auto 677 to 723. EX9 674 to 756. EQ9 auto 693 to 754. EX9 card 654 to 763. EQUIFAX----EQ8 677 to 715. EQ5 669 to 686. EQ8 card 672 to 711. EQ8 auto 674 to 710. EQ9 656 to 704. EQ9 auto 674 to 717. (EQ9 card 654 to 763 up 103 points). TRANSUNION----TU8 723 to 750. TU4 703 to 729. TU8 card 732 to 770. TU8 auto 706 to 740. TU9 736 to 770. TU9 auto 733 to 767. TU9 card 709 to 781. Chapter 13 BR as discharged June 30th 2019. All three major CRA scores were in the mid 500's. This board has helped me tremendously.

Re: Experian removed my chapter 13 BR early

AllZero — Sun, 21 Feb 2021 17:27:57 GMT

Congratulations on your success! Scores are looking good 👍.

Re: Experian removed my chapter 13 BR early

Mad12345 — Sun, 21 Feb 2021 17:42:47 GMT

@AllZero wrote:
Congratulations on your success! Scores are looking good 👍.

Thank you. This board has been a wealth of information/knowledge for me to use.

Re: Experian removed my chapter 13 BR early

mich800 — Sun, 21 Feb 2021 19:30:11 GMT

@Mad12345 wrote:
Experian removed my chapter 13 BR early without me asking.

Quick question as I have seen either 7 or 7.5 years for standard removal. Which is the case for chp13?

Re: Experian removed my chapter 13 BR early

sjt — Sun, 21 Feb 2021 20:24:18 GMT

Equifax will do it 30 days early without asking.

Re: Experian removed my chapter 13 BR early

Mad12345 — Sun, 21 Feb 2021 21:00:26 GMT

My chapter 13 experience is/was 7 years. It's 10 years for chapter 7 to fall off from reading this board.

@mich800 wrote:
@Mad12345 wrote:
Experian removed my chapter 13 BR early without me asking.
Quick question as I have seen either 7 or 7.5 years for standard removal. Which is the case for chp13?

Re: Experian removed my chapter 13 BR early

Mad12345 — Sun, 21 Feb 2021 21:01:04 GMT

That's good to know.

@sjt wrote:
Equifax will do it 30 days early without asking.

Re: Experian removed my chapter 13 BR early

Anonymous — Sun, 21 Feb 2021 21:31:49 GMT

@Mad12345 wrote:
Experian removed my chapter 13 BR early without me asking. The BR was due to fall off on May 31st of this year. Transunion removed the BR 6 months early ( I called in and requested an EE for TU). Equifax is the only one remaining. Gonna try for an EE with EQ on May 1st. Anyway, I woke up this morning and got on the board to read and do research like usual the last few months. I noticed the score jump as soon as I got on the board ( my score refreshes on the 21st every month). Here are the score changes. EXPERIAN----EX8 693 to 745. EX2 636 to 700. EX8 card 694 to 750. EX8 auto 677 to 723. EX9 674 to 756. EQ9 auto 693 to 754. EX9 card 654 to 763. EQUIFAX----EQ8 677 to 715. EQ5 669 to 686. EQ8 card 672 to 711. EQ8 auto 674 to 710. EQ9 656 to 704. EQ9 auto 674 to 717. (EQ9 card 654 to 763 up 103 points). TRANSUNION----TU8 723 to 750. TU4 703 to 729. TU8 card 732 to 770. TU8 auto 706 to 740. TU9 736 to 770. TU9 auto 733 to 767. TU9 card 709 to 781. Chapter 13 BR as discharged June 30th 2019. All three major CRA scores were in the mid 500's. This board has helped me tremendously.

Congrats!

EX "builds in" 2 months of EE into their "on record until" date, so it drops off earlier than the other 2 bureaus, EE aside. They take a bit longer in the month to drop things, so usally by the end of the month of the "on record until" date, making mid-end of Feb, just about right!

EQ should drop it by the end of March, would be my best best. If the date was May (doesn't matter if it was the 1st or 31st), then it ages off the month prior, so April. I say end of March because EQ gets a jump start, dropping derogs a little before the month they are due to age off, making requesting the 30d EE from EQ moot (and *soooo* not worth the dangers of it going sideways). No guarantee it will drop off by the end of March, but it is possible/likely!

Again, congrats!

Re: Experian removed my chapter 13 BR early

mich800 — Sun, 21 Feb 2021 22:43:46 GMT

@Mad12345 wrote:
My chapter 13 experience is/was 7 years. It's 10 years for chapter 7 to fall off from reading this board.
@mich800 wrote:
@Mad12345 wrote:
Experian removed my chapter 13 BR early without me asking.
Quick question as I have seen either 7 or 7.5 years for standard removal. Which is the case for chp13?

Thank you. I thought I read somewhere it was 7 years plus 180 days. So I was trying to ballpark if 6 months early would be 7 years or 6.5 years.

Re: Experian removed my chapter 13 BR early

Mad12345 — Sun, 21 Feb 2021 23:26:27 GMT

I sure ho

@Anonymous wrote:
@Mad12345 wrote:
Experian removed my chapter 13 BR early without me asking. The BR was due to fall off on May 31st of this year. Transunion removed the BR 6 months early ( I called in and requested an EE for TU). Equifax is the only one remaining. Gonna try for an EE with EQ on May 1st. Anyway, I woke up this morning and got on the board to read and do research like usual the last few months. I noticed the score jump as soon as I got on the board ( my score refreshes on the 21st every month). Here are the score changes. EXPERIAN----EX8 693 to 745. EX2 636 to 700. EX8 card 694 to 750. EX8 auto 677 to 723. EX9 674 to 756. EQ9 auto 693 to 754. EX9 card 654 to 763. EQUIFAX----EQ8 677 to 715. EQ5 669 to 686. EQ8 card 672 to 711. EQ8 auto 674 to 710. EQ9 656 to 704. EQ9 auto 674 to 717. (EQ9 card 654 to 763 up 103 points). TRANSUNION----TU8 723 to 750. TU4 703 to 729. TU8 card 732 to 770. TU8 auto 706 to 740. TU9 736 to 770. TU9 auto 733 to 767. TU9 card 709 to 781. Chapter 13 BR as discharged June 30th 2019. All three major CRA scores were in the mid 500's. This board has helped me tremendously.

Congrats!

EX "builds in" 2 months of EE into their "on record until" date, so it drops off earlier than the other 2 bureaus, EE aside. They take a bit longer in the month to drop things, so usally by the end of the month of the "on record until" date, making mid-end of Feb, just about right!

EQ should drop it by the end of March, would be my best best. If the date was May (doesn't matter if it was the 1st or 31st), then it ages off the month prior, so April. I say end of March because EQ gets a jump start, dropping derogs a little before the month they are due to age off, making requesting the 30d EE from EQ moot (and *soooo* not worth the dangers of it going sideways). No guarantee it will drop off by the end of March, but it is possible/likely!

Again, congrats!

I sure hope that this is the case. I've heard so many bad things about EQ that I am am hesitant to call for an EE when the time comes.

Re: Experian removed my chapter 13 BR early

gdale6 — Mon, 22 Feb 2021 00:48:03 GMT

In Sept 2018 the law was changed so all BKs now can report for 10 years including CH-13, however, I think anyone filing prior to that law change still gets a completed CH-13 deleted no later than 7 years from the filing date. Also in the 2018 law the time it can report was changed to the discharge date not the filing date.

§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]

(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:

(1) Cases under title 11 [United States Code] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Re: Experian removed my chapter 13 BR earlyC

coreyb80 — Mon, 22 Feb 2021 01:06:03 GMT

Congrats on the EE...great work on the rebuild and much continued success!

Re: Experian removed my chapter 13 BR earlyC

Mad12345 — Mon, 22 Feb 2021 04:04:21 GMT

@coreyb80 wrote:
Congrats on the EE...great work on the rebuild and much continued success!

Thank you.