Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 196
Registered: ‎05-16-2015
0 Kudos

Re: Chapter 13 to 7 conversion

Chapter 7 stays with you for 10 years. Chapter 13 is 5-7.  I had to file Chapter 13 in 2007  I made my last payment in Feb of 2012. By October of 2012 the Chapter 13 was completly off my credit as if it had never been there. This also happened to another person I know who paid off their 13 and within 6 months it was off all their reports. My father filed Chapter 7 a year after I did my 13 and his Chapter 7 is still on his reports and I have 2 other friends who did a 7 and theirs is lasting the full 10 years. I'd rather suck it up and make the payments so that it didn't stay on my credit for the full 10 years. 


I was able to buy a house and everything, my credit bounced back and I have no sub prime cards. It was worth it for those few years of struggling to be where I am now. I put myself in that position and I am making sure now I never ever put myself back in that position.

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.