I filed Ch 13 in 1998 and was discharged in 2002. I have been working to get my score up and my reports clean ever since. Equifax and Experian both deleted the Ch 13 after 7 years without any request on my part. I have no derogs and no Ch 13 on these 2 reports and my score is 713 and 743. Transunion still showed the Ch 13 as a Public record and my score was 691 with them. I used the online dispute feature last month because the report did not show the Ch 13 as having been discharged. I received a letter from TU asking for a copy of the discharge as well as ALL the creditors included in the bankruptcy! I am not crazy enough to send ammunition to the enemy*LOL* so i just let it drop.This past week I received a corrected report noting that the public record had been discharged!!! Yippee!
