cancel
Showing results for 
Search instead for 
Did you mean: 

Did Experian change its policy?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Contributor

Did Experian change its policy?

Hey Fico Fam,

 

Just wondering if Experian has changed it's public record/bankruptcy furnishing policies. I have a 2012 BK 7 discharged on 06/12 and dismissed chapter 13 on 10/17. I logged into experian.com today and seen this which kind of confuses me.

 

exp.PNG

 

When I go look at the actual record tradelines they still say the same dates. So I don't know what to make out of it. Transunion deleted the 2012 BK by themselves last week. Equifax dropped both of them 6 months ago for unknown reasons as well lol.

 

Guess I been having BK luck. 

Starting: EQ: 557 TQ: 607 EX: 626 8/18
BK7: Discharged 06/12 | BK13: Dismissed 07/16
Current Scores Fico 8: EQ: 661, TQ: 660 EX: 703 / Fico 9: EQ: 692 TU: 649, EXP: 673- 02/13/19
Discover it® Secured $2k, BankAmericard Platinum Plus Secured $2.5k, CareCredit $8.5k, eBay Mastercard $300, Walmart $2.5k, Jerome's Furniture $3.5k , Capital One Quicksilver One $1.1k, USAA Secured $500
Message 1 of 5
4 REPLIES 4
Established Contributor

Re: Did Experian change its policy?

Did you originally file a 13 then changed it over to a chapter 7?
Message 2 of 5
New Contributor

Re: Did Experian change its policy?

No I filed 2012 bk 7 discharged and then 4 years later filed a BK 13 because of IRS tax debt and a few things. I dismissed and paid in full.

Starting: EQ: 557 TQ: 607 EX: 626 8/18
BK7: Discharged 06/12 | BK13: Dismissed 07/16
Current Scores Fico 8: EQ: 661, TQ: 660 EX: 703 / Fico 9: EQ: 692 TU: 649, EXP: 673- 02/13/19
Discover it® Secured $2k, BankAmericard Platinum Plus Secured $2.5k, CareCredit $8.5k, eBay Mastercard $300, Walmart $2.5k, Jerome's Furniture $3.5k , Capital One Quicksilver One $1.1k, USAA Secured $500
Message 3 of 5
New Visitor

Re: Did Experian change its policy?

Just out of curiosity, when did you file your ch13 BK? I am dealing with an issue in which my ch13 bk (also dismissed) is still reporting on my CR through EQ. Whenever I try to contact them about it, they say their policy is 10 years for dismissed ch13's, but theres public record of them indicating that their policy is _all_ ch13 bk's will be removed after 7 years regardless of outcome.

 

I filed in 5/12

Message 4 of 5
Established Contributor

Re: Did Experian change its policy?

I filed my chapter 13 July of 2015 and it is still active for another 14 months of payments. The time for a dismissed chapter 13 is seven years regardless of outcome.

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.