topic Re: Dismissed Chapter 13 in Bankruptcy

Dismissed Chapter 13

mowheat73 — Wed, 09 Jan 2013 11:01:23 GMT

Greetings everyone,

In 2006, 2007, 2008, I filed Chapter 13 to save several of my real estate properties. How long are the credit repositories allowed to list each item on my credit report. Also, does anyone have any advise on how to dispute these items?

Thanks in advance.

Re: Dismissed Chapter 13

StartingOver10 — Wed, 09 Jan 2013 14:36:36 GMT

Dismissed Ch 13's can be reported for 10 years.

Discharged Ch 13's are reported for 7 years.

Was your 13 dismissed or discharged?

Re: Dismissed Chapter 13

mowheat73 — Wed, 09 Jan 2013 14:40:36 GMT

They were all dismissed.

Re: Dismissed Chapter 13

StartingOver10 — Wed, 09 Jan 2013 14:43:12 GMT

So they will show up for 10 years each.

You might be able to dispute them off - I have heard of it, but never experienced it. After all, it is a separate public record that is picked up in PACER very easily so even if you dispute it off your cr report, the public record shows forever.

Re: Dismissed Chapter 13

mowheat73 — Thu, 10 Jan 2013 02:21:44 GMT

Thank you for your contribution. I am new to the forum, do you mind telling me what, "in the garden" means?

Re: Dismissed Chapter 13

GABrown — Thu, 10 Jan 2013 04:49:02 GMT

in the garden means not applying for any new credit whatsoever and letting treating your existing credit as good as possible and watching your credit score grow like you would plants in a garden... Welcome and Good Luck!!!

Re: Dismissed Chapter 13

MovingForward_2012 — Thu, 10 Jan 2013 13:32:10 GMT

+1, dismissed Ch 13s remain on the credit report for 7 years.

Re: Dismissed Chapter 13

MovingForward_2012 — Thu, 10 Jan 2013 13:33:49 GMT

Whoops typo...dismissed Ch 13s remain on the credit report 10 years from filing date NOT 7 years. My apologies.