Reply
Highlighted
New Visitor
Posts: 2
Registered: ‎10-04-2007
0

credit report information

I filed a chapter 7 in 01 and then a chapter 13 in 04 (dismissed) and then refiled in 05.  The 05 chapter 13 is about to be over!!  So last night I pulled my 3 credit reports for free.  Haven't pulled in a couple of years.  Anyways, as one would suspect there is alot of wrong information HOWEVER a lot of it is due to fall off in 08 even though it was included in my 01 chapter 7.  What should I do, should I ask it to be IIB or should I leave well enough alone and let about 10 negative accounts just fall off my credit report?  And will they fall off automatically.  Some are due to come off in March and the rest in May?  Thanks all. 
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: credit report information



rrockinggramma wrote:
I filed a chapter 7 in 01 and then a chapter 13 in 04 (dismissed) and then refiled in 05.  The 05 chapter 13 is about to be over!!  So last night I pulled my 3 credit reports for free.  Haven't pulled in a couple of years.  Anyways, as one would suspect there is alot of wrong information HOWEVER a lot of it is due to fall off in 08 even though it was included in my 01 chapter 7.  What should I do, should I ask it to be IIB or should I leave well enough alone and let about 10 negative accounts just fall off my credit report?  And will they fall off automatically.  Some are due to come off in March and the rest in May?  Thanks all. 


 
They should fall off automatically just keep a copy of the report with thecurrent due by dates.

Established Contributor
Posts: 503
Registered: ‎05-01-2007
0

Re: credit report information

Accounts included in bankruptcy fall off the report 7 years from the bankruptcy filing date. A dismissed chapter 13 stays on the reprot for 10 years. A chapter 13 that is discharged stays on the report for 7 years as long as you finish the plan and make all paymenst on time.
New Member
Posts: 7
Registered: ‎10-15-2007
0

Re: credit report information

I would just keep monitoring it. I believe they have the option of keeping the BK on for 10 years, but if specific items are due to drop off soon, I would watch and wait for them to drop. If they don't follow through, I'd contact them then.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.