Re: I don't know the answer

Anonymous · ‎06-25-2015

Had a Chap 13 recently discharged. I have seen several places that it remains on credit report for 7 years. But I don't know if that is 7 years from filing, or from discharge. I am guessing it is from discharge, but I don't know. Thanks in advance for any help.

beezer32 · ‎06-26-2015

7 years from filing, not discharge.

Anonymous · ‎06-26-2015

That's great news! Thank You!

TRC_WA · ‎06-26-2015

7 years from filing... and TU will delete 6 months early. EQ/EX 3 months early.

That being said... I'm counting down the months till I get early deletion ahead of my 7 year date which is April 2016.

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

Anonymous · ‎06-26-2015

Thanks TRC for the good news. Now that I do know the answer, my 7 year date is May of 2016! Turns out we are neighbors! Lol

I don't know the answer

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I don't know the answer