BK Removed From CR Early

Anonymous · ‎07-26-2008

My BK was removed from my Experian CR to months early it was originally suppose to be removed in October of this year. My score dropped 24 points but i'm sure that's due to a recent collection that was added a few days ago. It's like i get rid of one bad thing here comes another. There's also 2 accounts that was filed in the BK still there but there also suppose to be removed in October. I have one more to go an that's TransUnion my BK will be removed in September with them.

Anonymous · ‎07-27-2008

The public record for the bankruptcy should be removed exactly 10 years from the file date. Otherwise, congrats on the early removal.

Uniqua · ‎07-27-2008

The public record for the BK should be removed any where from 7 to 10 years, depending on BK filed.

I knew TU and EQ did that, but I didn't know EX did as they told me they only delete on the date scheduled for deletion.

Congrats OP!

Anonymous · ‎07-27-2008

Pammila wrote:
The public record for the bankruptcy should be removed exactly 10 years from the file date. Otherwise, congrats on the early removal.

I filed Chapter 13 back in 2001 so it's 7 years.

Anonymous · ‎07-27-2008

Uniqua wrote:
The public record for the BK should be removed any where from 7 to 10 years, depending on BK filed.

I knew TU and EQ did that, but I didn't know EX did as they told me they only delete on the date scheduled for deletion.

Congrats OP!

Not sure when my BK was deleted from EX but it hasn't been there since the first of the year maybe they deleted it last year i really don't care cause it's gone lol. One more to go an that's TransUnion.

App_Addict · ‎07-27-2008

Not unusual for them to come off a few months early. I have about 8 months to go and my BK will be history!!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

Anonymous · ‎07-27-2008

robertkinder wrote:
Not unusual for them to come off a few months early. I have about 8 months to go and my BK will be history!!

The 8 months will be over before you know it.

Anonymous · ‎07-29-2008

All BK's stay on for 10 years, except BK 13's for EX and TU, which come off at 7 years. EQ for some reason refuses to take off 13's before the 10 years is up. Legally, all can leave all types for 10 years.

mjbfan - First rule of BK - NO more late payments unless really bad events occur in your life, such as job loss, major medical bills, that kind of thing. Was this collection an oversight on your part and won't ever happen again?

Anonymous · ‎07-29-2008

EQ removes all discharged Chapt. 12 and 13 BK after 7 years of date of filing. This comes directly from EQ's website.

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165317209747/5-1/5-1_Layout.htm?CATEGORY=About_E...

Anonymous · ‎07-29-2008

Boscoe wrote:
All BK's stay on for 10 years, except BK 13's for EX and TU, which come off at 7 years. EQ for some reason refuses to take off 13's before the 10 years is up. Legally, all can leave all types for 10 years.

mjbfan - First rule of BK - NO more late payments unless really bad events occur in your life, such as job loss, major medical bills, that kind of thing. Was this collection an oversight on your part and won't ever happen again?

I have no late payments since i filed my chapter back in 2001 that's the most positive factor on my CC. The collection i don't no what to say about that one lol but i tell u this i will never be late on a bill again an hope i'll never have to file Chapter 13 again.