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Established Member
Posts: 22
Registered: ‎01-07-2013
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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.


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Community Leader
Super Contributor
Posts: 5,666
Registered: ‎03-06-2010
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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?

Established Member
Posts: 22
Registered: ‎01-07-2013
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Re: Dismissed Chapter 13

They were all dismissed.


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Community Leader
Super Contributor
Posts: 5,666
Registered: ‎03-06-2010
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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.

Established Member
Posts: 22
Registered: ‎01-07-2013
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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?


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Current Score: USAA EX 715 EQ 684 TU 701
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New Contributor
Posts: 55
Registered: ‎10-23-2012
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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!!!

IN MY PURSE- BankAmericard Cash Rewards Platinum Plus Visa
IN THE GARDEN UNTIL 11/2013
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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Dismissed Chapter 13

+1, dismissed Ch 13s remain on the credit report for 7 years.
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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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