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Dismissed Chapter 13

Valued Member

Dismissed Chapter 13

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.


Starting Score: USAA EX 570 EQ 574 TU 603
Current Vantage Score: USAA EX 657 EQ 672 TU 654
Fico 8: EX 672 EQ 744 TU 667
Goal Score: 780


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7 REPLIES
Moderator

Re: Dismissed Chapter 13

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?

Valued Member

Re: Dismissed Chapter 13

They were all dismissed.


Starting Score: USAA EX 570 EQ 574 TU 603
Current Vantage Score: USAA EX 657 EQ 672 TU 654
Fico 8: EX 672 EQ 744 TU 667
Goal Score: 780


Take the myFICO Fitness Challenge
Moderator

Re: Dismissed Chapter 13

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.

Highlighted
Valued Member

Re: Dismissed Chapter 13

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


Starting Score: USAA EX 570 EQ 574 TU 603
Current Vantage Score: USAA EX 657 EQ 672 TU 654
Fico 8: EX 672 EQ 744 TU 667
Goal Score: 780


Take the myFICO Fitness Challenge
New Contributor

Re: Dismissed Chapter 13

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!!!
Valued Contributor

Re: Dismissed Chapter 13

+1, dismissed Ch 13s remain on the credit report for 7 years.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor

Re: Dismissed Chapter 13

Whoops typo...dismissed Ch 13s remain on the credit report 10 years from filing date NOT 7 years. My apologies.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014