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How long does a Chapter 13 stay on your credit report?

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Anonymous
Not applicable

How long does a Chapter 13 stay on your credit report?

I filed Chapter 13 Bankruptcy on 8/12/2008.  It is showing discharged on my credit report, and shows that it is scheduled to continue on record until Aug 2015.  I recently pulled a new report and it is still on there.  I sent a disupute online to Transunion and they just sent a response validiating that the Bankruptcy is mine.  They did not even mention anyhting else.  Shouldnt this be off completey after 7 years?  5 years and then 2 additional years after discharge for Chapter 13?

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Scupra
Super Contributor

Re: How long does a Chapter 13 stay on your credit report?

A discharged 13 will remain for 7 years. I would call and get it removed asap Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
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