Experian surprise! EE of closed accounts in C-7 bankruptcy without being asked

[Vandervecken]

Hello!  I update my 3 bureau report every month because I have a number of student loans and an auto loan churning and closing.  Also, the accounts that were closed in my C-7 bankruptcy (10/2016) are due to drop off in October or so.

I was checking my new report this morning, and to my surprise, all but 2 of the C-7 accounts dropped off my Experian report early.  (The remaining two are Wells Fargo accounts, and W-F is breaking bankruptcy law by reporting the wrong closed date.  But it's Wells Fargo, they're an unholy criminal bunch anyway.)

Seeing the accounts drop off early without an EE request was a surprise!  Previously I had read that EE was fairly easy with TU, maybe/maybe not with EXP and a "don't try it" with EQ; I was planning on just waiting until after October to request removals.  But now, I might reach out to TU online and try to remove the accounts there.

[Rogue46]

Wow that's great good for you! And yes EX is the stingy one of the 3 so that's a great data point to share. You should be good to ask TU to remove it so go for it!

[Vandervecken]

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@Rogue46 wrote:

You should be good to ask TU to remove it so go for it!

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I gave into temptation and disputed online, using "Account too old" as the criteria.  Within a few minutes, TU emailed me, "accounts removed".  Woo hoo!

I wish EQ would allow for EE, but they'll drop off in two months anyway.  Except for the !@#$%^&*()! Wells Fargo accounts.  Two years to go on them   I've tried to get WF to fix their mistake, but they refuse (one rep in fact laughed at me, and told me to go pay a BK attorney $3500 to reopen the case and they'll remove the accounts.  I wish I had recorded it, just to send to the BK judge for every case he/she has involving WF.)

[FireMedic1]

Congrats on the nice surprise.