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When does BK stop reporting?

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masscredit
Valued Contributor

When does BK stop reporting?

I know BKs are suppoed to report for 10 years. I'm looking at my TU report now. It says -

 

Date Filed: 06/23/2009
Date Paid: 02/04/2010  (this was my discharge date)
Date Updated: 02/05/2010  

Estimated month and year that this item will be removed: 05/2019

 

Is it 10 years after the discharge or 10 years after it was filed? I thought it was after the discharge date.

 

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
Message 1 of 4
3 REPLIES 3
gdale6
Moderator Emeritus

Re: When does BK stop reporting?


@masscredit wrote:

I know BKs are suppoed to report for 10 years. I'm looking at my TU report now. It says -

 

Date Filed: 06/23/2009
Date Paid: 02/04/2010  (this was my discharge date)
Date Updated: 02/05/2010  

Estimated month and year that this item will be removed: 05/2019

 

Is it 10 years after the discharge or 10 years after it was filed? I thought it was after the discharge date.

 


Filed, the 05/19 removal is correct.

Message 2 of 4
masscredit
Valued Contributor

Re: When does BK stop reporting?

I leaned something new today.  Thank you!

 

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
Message 3 of 4
TRC_WA
Senior Contributor

Re: When does BK stop reporting?

For Ch 13 discharge it's 7 years from date of filing. 

 

If you file Ch 13 and it's dismissed for whatever reason, it's 10 years.

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
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