BK came off credit report early, will it come back?

[keitheii]

I pay for experian credit works and watch my credit scores carefully via it and other banking apps which include it. I noticed my Experian score jumped over 70 points the other day and also noticed my BK from 2015 which was dismissed disappeared from that report, yet still shows on the other two reports. One report even says the BK is due to be removed 2025. Anyone have any idea why Experian would drop it early? And is there a chance it'll come back too? I've been wanting to buy a house and have been waiting for the BK to fall off, not sure if now is the time or if this was a fluke.

[justbroke]

No clue as to why Experian would drop it early. Normally a dismissed bankruptcy would come off 10 years after the filing date. So I don't know why.

Here's my thread on what happened to me, but I had a discharge in a Chapter 13.

https://www.bkforum.com/forum/after-the-discharge/rebuilding-credit/1025791-chapter-13-and-credit-bureaus

I can tell you this. Even if the bankruptcy doesn't show on your credit report, it will show on a LexisNexis Risk Report, or a SageStream Risk Report. Mine doesn't show, but my lender saw it on the Risk Report and asked about it. However, my mortgage was discharged in my 2010 bankruptcy and Fannie Mae has an awesome exception.