How long do you keep your BK paperwork?

masscredit · ‎06-15-2015

I've never opened the box that my attorney gave me after my BK was discharged. It's about 6-8" tall and full. I just have it marked and set aside. The BK was discharged in 2010. I'm working on cleaning out old totes and paperwork so I might get to that one. If anything to remind myself where I came from. So how long do you keep it for and are we required to keep it for a certain amount of time?

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500

Scupra · ‎06-15-2015

I scanned and saved all of my paperwork as PDF's

mynameainttracy · ‎06-15-2015

I got rid of all mine right after my ch13 discharge. I ended up needing a lot of it later on when I started the mortgage process so I downloaded everything from PACER and saved the pdf's.

TRC_WA · ‎06-15-2015

@mynameainttracy wrote:
I got rid of all mine right after my ch13 discharge. I ended up needing a lot of it later on when I started the mortgage process so I downloaded everything from PACER and saved the pdf's.

That. ^

I destroyed all mine... if I need them again I'll get them off PACER.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

masscredit · ‎06-15-2015

I just opened the box, took a look them closed it. I'll go through that stuff another day. Most of it is probably just excess paperwork that was needed for the case but there is only a few pieces of paper that are important. I have my discharge tucked away in a fireproof safe.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500

pizza1 · ‎06-15-2015

I would keep it all forever. It been known that after the BK is off all CRA, years later, than JDB resurface and "claim" you owe money on a debt that was discharge in your BK. They are banking on the fact you got rid of all the proof, and are now gonna screw up your nice pretty new score if you don't pay....its happened. Im keeping mine till I die, LOL

Pway · ‎06-15-2015

I have my original discharge in my safe and the rest is scanned and downloaded.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎06-15-2015

Keeping everything...forever....lol; When I can bear to look at it again, I will scan and save...

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/13-FICO: EQ - 764; TU - 717; EX - 681; GOAL: 780 across the board. Gardening until further notice.