Bankruptcy CH. 13 rolled off Experian, still on EQ and TU.

Well I'm happy to report that my ch. 13 bk fell off experian today. My score dropped a little from the highest I have ever seen it 687 to 670 due to losing some of my oldests accounts dropping my aaoa from 3.2 years to 2 years. I'm ok with that. I can only go up and up from now on, no bk dragging my score down. The bk is still showing on TU and is scheduled to fall off next month. It is also on EQ but not sure when it is schedule to fall off. I was thinking of applying with chase but I know they'll double pull me, EX and TU were pulled last time I applied back in March. I was denied because of a charge off account I was an authorize user. No longer appears on EX but it does on TU. I think I'll hold up a bit. I've also been wanting to get in with AMEX and I know they'll pull EX but I think I'll let my new EX report simmer a bit and then apply. Afterall I'm supposed to be in the garden till next year. Is just hard to do so seeing some good results from other members. Any advice would be appraciate it.

datrucking210 wrote:
asbinjax wrote:
datrucking210 wrote:
Thanks for that info. I'll be contacting TU and see if I can get it removed since it should fall off next month. I don't know the schedule drop off date on EQ. The free report on EQ didn't have a drop off date like EX and TU had. I'm able to get my free EQ report till October so I'll wait till then.I know its a matter of semantics, but when you call the CRAs, you have to ask for 'Early Exclusion' and not for a removal. They cant delete a TL just because we ask, but they can exclude it from showing on current reports because of age roll off. And you may have to speak with a supervisor to get it done. You arent really disputing it, just asking for EE. hth Thanks for that correction. So ask for EE not removal. got it.Equifax may be a bear (why you see no date for fall off). Some have anecdotally reported eq reps say it must stay on ten years. If you can,t get it off, google search and search this forum on what to do. But when calling EQ, ask to be transferred to US, and then ask to speak with supervisor (do the call after the bk has fallen off ex and TU, by dates, not EE). TU files EE as a dispute, so let them do their thing. Be very nice on the phone with eq, even if you get no. There is no law to remove 13 after seven years, honey works much better than vinegar.

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