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How Long for Chapter 7 Discharge to Show Up on Credit Report

New Member

How Long for Chapter 7 Discharge to Show Up on Credit Report

I filed a chapter 7 on 3/31/2017 and received my discharge today (according to Pacer).  It has not yet shown up on my credit report (Transunion of Experian).  My current car was financed through Regional Acceptance who sent me a letter stating they will repossess if payment has not been received by 7/19/17 (in TWO days).  I tried to get a pre-discharge auto loan but was denied due to my high amount of student loans, although I have a decent income.

 

I have been told that I have to wait until the discharge shows up on my credit report in order to get financed.  I'm super worried my car will get repossessed before this happens and I'll be without a means to get to work. 

 

How long will the discharge take to show up on my credit report?

 

 

 

Chapter 7 BK Date: 3/31/2017

Discharge Date: 07/17/2017

Current Credit Scores: Trans: 648; Equifax: 648, Experian: ?

 

BK filed: 03/31/2017; BK D/C: 077/17/2017
Scores at D/C: 648, 648, 647
Current Scores: ?
Goal Score: 740
Message 1 of 5
4 REPLIES
Contributor

Re: How Long for Chapter 7 Discharge to Show Up on Credit Report

Mine showed up within a day. 

 

In fact, it was the myFico notification email that I received that prompted me to check PACER to confirm.

Personal:| Business:
Filed BK7: 3/24/17 Discharged: 7/3/2017 (Starting scores | EQ: 493 | TU: 496 | EX: 441)
7/17 - EQ: 563 | TU: 549 | EX: 570
8/08 - EQ: 589 | TU: 630(!) | EX: 585
Message 2 of 5
New Member

Re: How Long for Chapter 7 Discharge to Show Up on Credit Report

Was it the discharge or closed notification? Thank you for responding.
BK filed: 03/31/2017; BK D/C: 077/17/2017
Scores at D/C: 648, 648, 647
Current Scores: ?
Goal Score: 740
Message 3 of 5
Contributor

Re: How Long for Chapter 7 Discharge to Show Up on Credit Report

Discharge.

 

Correction - My actual discharge date is 7/3/17.  My credit was updated on 7/5/17.  I just looked at the discharge papers.

Personal:| Business:
Filed BK7: 3/24/17 Discharged: 7/3/2017 (Starting scores | EQ: 493 | TU: 496 | EX: 441)
7/17 - EQ: 563 | TU: 549 | EX: 570
8/08 - EQ: 589 | TU: 630(!) | EX: 585
Message 4 of 5
New Member

Re: How Long for Chapter 7 Discharge to Show Up on Credit Report

Thank you so much! Hoping I don't repossessed before it gets updated,
BK filed: 03/31/2017; BK D/C: 077/17/2017
Scores at D/C: 648, 648, 647
Current Scores: ?
Goal Score: 740
Message 5 of 5