Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 35
Registered: ‎09-22-2010
0

Can an old bill be added to a CH 7 after discharge?

I forgot to include it originally.

 

Any help is appreciated.

Established Contributor
Posts: 634
Registered: ‎09-04-2012
0

Re: Can an old bill be added to a CH 7 after discharge?

[ Edited ]

Check the schedule  that listed all your debts to be considered for discharge. I thought I forgot to list one and discovered it was listed.  If it was not listed, from what I understand you can't add it as your bankruptcy was already discharged.  You may want to consult your lawyer.

Valued Contributor
Posts: 1,065
Registered: ‎05-26-2010
0

Re: Can an old bill be added to a CH 7 after discharge?

If you were a no-asset case, even a debt inadvertently omitted from your schedule is discharged.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Member
Posts: 14
Registered: ‎10-14-2012
0

Re: Can an old bill be added to a CH 7 after discharge?

Even if you weren't a no asset case, the debt can be discharged for a period of time, but you would have to re-open the case to add the new creditor. I'd just show the creditor your discharge, and tell them it'll be cheaper for you to re-open than pay them, but you'll settle with them for a nominal (<$100) amount on the condition they remove all reporting to the credit bureaus that are derogatory or hurtful to your credit, and show the account as "paid in full/never late", or remove it entirely from your CR. 


Starting Score: EQ 532
Current Score: 532
Goal Score: 760


Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.