Timing for deleting CH13

[startingout]

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?  

[Anonymous]

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. 

[Scupra]

TU will usually remove around 6 months early. EX is not fun to play with

[medicgrrl]

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.

[startingout]

medicgrrl, EQ deleted it early without any initiative on my part.  I'll mail the request for early deletion to TU.  Thanks.   

[DaveInAZ]

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@startingout wrote:

medicgrrl, EQ deleted it early without any initiative on my part.  I'll mail the request for early deletion to TU.  Thanks.   

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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.

[startingout]

DaveInAZ, I opened a Credit Karma account as you suggested, but there isn't a reason like "Too old to report" in the drop down menu, and then it sends me to the TU site, which requires a mail in form.  Separately, I've been using Experian's CreditCheckTotal.  Is Credit Karma just as good?  

[Scupra]

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@startingout wrote:

DaveInAZ, I opened a Credit Karma account as you suggested, but there isn't a reason like "Too old to report" in the drop down menu, and then it sends me to the TU site, which requires a mail in form.  Separately, I've been using Experian's CreditCheckTotal.  Is Credit Karma just as good?  

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

[DaveInAZ]

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@startingout wrote:

DaveInAZ, I opened a Credit Karma account as you suggested, but there isn't a reason like "Too old to report" in the drop down menu, and then it sends me to the TU site, which requires a mail in form.  Separately, I've been using Experian's CreditCheckTotal.  Is Credit Karma just as good?  

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This one:

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.

[startingout]

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: