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Did Experian change its policy?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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 3
2 REPLIES 2
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 3
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 3