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Timing for deleting CH13

startingout
Established Member

Timing for deleting CH13

My CH13 was filed December 2010.  Equifax deleted the record last month, about six months early.  When can I expect Experian and Transunion to delete it?  Would it help to request them to delete it early?  

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 1 of 21
20 REPLIES 20
JAG73
Moderator

Re: Timing for deleting CH13

Equifax tends to hold on till the last second...but I have read about a few successes at 30 days early exclusion. 

I'm surprised they deleted before ex and TU. 

Got some pruning to do... No more new cards!
Message 2 of 21
Scupra
Super Contributor

Re: Timing for deleting CH13

TU will usually remove around 6 months early. EX is not fun to play with Smiley Happy
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 3 of 21
medicgrrl
Valued Contributor

Re: Timing for deleting CH13

Congrats on having it deleted from EQ already. Did they surprise you with an early deletion or did you initiate the request? You can ask TU for early deletion now. Exp is 2-3 months for EE.


EQ 778 EXP 782 TU 729
Message 4 of 21
startingout
Established Member

Re: Timing for deleting CH13

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 5 of 21
DaveInAZ
Senior Contributor

Re: Timing for deleting CH13


@startingout wrote:


Do you have an account on Credit Karma? They have a "direct dispute" for TU, and when you use that it even has a reason for the dispute from a drop down menu for "Too old to report" (or something like that). I got TU to early exclude all accounts included in my 2010 BK7. I disputed directly with EX and they removed all but my non-reaffirmed mortgage which they are keeping until Sept, exactly 7 years.

Message 6 of 21
startingout
Established Member

Re: Timing for deleting CH13

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 7 of 21
Scupra
Super Contributor

Re: Timing for deleting CH13


@startingout wrote:


TU has an online dispute process that you should be able to use.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 8 of 21
DaveInAZ
Senior Contributor

Re: Timing for deleting CH13


@startingout wrote:


This one:

dispute.jpg

 

 

I didn't have to mail anything to anyone, disputed through Credit Karma Direct Dispute and that was it. CK direct dispute works for Transunion & Equifax, for Experian you have dispute directly with them.

 

 

Message 9 of 21
startingout
Established Member

Re: Timing for deleting CH13

I guess that option isn't available to me for some reason.  Here's a screen shot with only four choices and that isn't one of them: Screen Shot 2017-07-05 at 10.42.46 AM.png

Current EQ799 TU781 EX668/not deleted
Post CH13 Discharge EQ680, TU646, EX661
Message 10 of 21
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