Timing for deleting CH13

[startingout]

For other reasons like this, that don't fit their menu of selections, a form is required to be mailed in.  

[DaveInAZ]

---

@startingout wrote:

For other reasons like this, that don't fit their menu of selections, a form is required to be mailed in.  

---

I don't know why you aren't getting that option, it's the same thing I did - requesting early removal of derogatory information that's due to fall off in a few months. You might go to transunion.com and see if they'll let you dispute online, this shouldn't require a mailed form.

[Scupra]

---

@DaveInAZ wrote:

---

@startingout wrote:

For other reasons like this, that don't fit their menu of selections, a form is required to be mailed in.  

---

I don't know why you aren't getting that option, it's the same thing I did - requesting early removal of derogatory information that's due to fall off in a few months. You might go to transunion.com and see if they'll let you dispute online, this shouldn't require a mailed form.

---

Dave are you testing it on a Public Record? I wonder if the system only offers particular reasons for the type of TL? Just thinking out loud

[Anonymous]

---

@Justagirl73 wrote:

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. 

---

To OP,

I am surprised too! I am waiting to be in the clear of my BK 13 to fall off all reports. Its the only negative I have on all 3 reports. From My understanding. TU is 6 mos, EXP is 3 mos, and EQ at 1 mon. I am looking at deletions in Sept, Dec and Feb. But I will definitely ask at the 6 mos mark with EQ. 

[startingout]

Here's an update on the deletions. Following the EQ deletion, TU deleted it about five months early.  I mailed (no online option that I could find) a letter requesting early deletion to TU, but have no idea if that was a factor in the early deletion. I submitted an online request for early deletion to EX, but haven't received a response. The EX rep said it'll automatically delete three months early.

[medicgrrl]

Congrats on the second removal!

[Anonymous]

Awesome! Congrats! 

[startingout]

Is it possible to remove a CH13 from the public records early or even after seven years?  If so, how would you go about that?  

[Scupra]

---

@startingout wrote:

Is it possible to remove a CH13 from the public records early or even after seven years?  If so, how would you go about that?  

---

I think I am confused by your question.. A Chap 13 would naturally fall off after 7 years. You can ask for an early exclusion at any time you want. I would probably wait until you are at the least discharged.

[startingout]

I'm referring to public or court records, which is the source of bankruptcy filings reported to the Bureaus.  I'd like to know if it'll remain a public record and, if so, if it can be deleted.