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How to delete CH13 upon discharge?

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startingout
Established Member

How to delete CH13 upon discharge?

Is there any action I can take towards getting a CH13 deleted soon after discharge, which is five years after the filing date?  

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: How to delete CH13 upon discharge?

It will fall off after seven yearw. Mine fell off automatically a month before seven years.

 

 

 

In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BofA Travel Rewards 3.5k; BofA Travel Rewards 3.5k; BofA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 7; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Message 2 of 5
TRC_WA
Senior Contributor

Re: How to delete CH13 upon discharge?

It's 7 years after filing...

 

TU will delete 6 months early.  EQ/EX 3 months.  YMMV.

 

 

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 5
startingout
Established Member

Re: How to delete CH13 upon discharge?

I'd like to know if there's anything that can be done toward removing the CH13 immediately after discharge rather than waiting for it to autmatically fall off in about two years.  

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 4 of 5
TRC_WA
Senior Contributor

Re: How to delete CH13 upon discharge?


@startingout wrote:

I'd like to know if there's anything that can be done toward removing the CH13 immediately after discharge rather than waiting for it to autmatically fall off in about two years.  


Nope... it doesn't work that way.

 

It's 7 years after filing...

 

TU will delete 6 months early.  EQ/EX 3 months.  YMMV.

 

I filed in April 2009... discharged May 2013.  I'm 2+ years after discharge with less than a year go to until removal.

 

That's just the way it is.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 5 of 5
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