Will All Acccounts In Bankcrupcy Fall Off Getting Close?

[Anonymous]

I filed a Chapter 13 in February 2010. It was discharged and completed in August 2015.  According to my calculations and Trans Union most of the accounts included in my bankrupcy will start falling off of my credit in August and September of this year. This is due to the age of the acccounts. The actual bankrupcy will not be removed until either January or Feburary 2017 when I hit the 7 year mark.. 

I have worked hard to reestablish my credit since August of last year.  My credit scores are currently at 613, 632 and 650.  On my credit reports it still shows 2 very old Capital One accounts as being open but the included in bankrupcy comment is listed on the reports.  My FICO shows 2 accounts as being reported with late payments

All of my new credit is being paid on time I have never missed a payment and usually pay early. I am assuming that it is the two Capital One accounts or possibly one of my other bankruptcy accounts that is causing this. All of the old accounts show as being included in bankrupcy.

Should I just wait this out since it is so close to aging off of my credit? Will the other credit bureaus follow Trans Union and remove from my report as well?  I am hoping my score will go up in the near future when these negative items finally age off.  The only other thing that would show us is a paid medical collection for $55.00.  I have had no success in getting this removed. The collection agency refuses to take it off despite a phone call and letter.

[RonM21]

If TU starts removing them, you can ask for EE from the other 2 bureaus, but they do not follow suit with one another. They have their own ways of doing things. As an FYI, when fhe negatives do disappear, you may not see a dramatic increase, due to the fact that a negative will still be reporting.

You will probably get points, but the big bang in score rises typically comes when the last negative comes off.

[RobertEG]

The accounts have derogs reported by the creditor.

It is the derogs themselves that have credit report exclusion dates under FCRA 605(a).

Except possibly for reporting of a charge-off, exclusion does not apply to the account itself, only to the specific derogs that were reported under the account.

If the derogs occured p

What at the specific derogs that have been reported?

For monthly delinquencies, what is the month and year of the delinquency?

For any charge-off, what is the date of first delinquency (DOFD)?

Each CRA is montoring the relevant FCRA exlusion date of each derog, and is required to exclude no later than the required date under FCRA 605(a).

[Anonymous]

Under remarks on my Trans Union report they have about  7 accounts listed.  2 of them are Capital One and they both say about the same thing as what I copied into this post. The others do say Chapter 13 discharged or case complete.

Credit Card

Sep 17, 2008

Open - Payment Plan

$0

0% of Credit Limit*

Account Details

Last Reported

May 08, 2016

Creditor Name

CAPITAL ONE

Account Type

Credit Card

Account Status

Open - Derogatory

Opened Date

Sep 17, 2008

Closed Date

--

Limit

$750

Term

--

Monthly Payment

$0

Responsibility

Individual

Balance

$0

Highest Balance

$1,185

Payment Status

Payment Plan

Worst Payment Status

Unknown

Date of Last Payment

Jun 01, 2015

Amount Past Due

$0

Times 30/60/90 Days Late

0/0/0

Remarks

Chapter 13; wage earner plan account

CAPITAL ONE

Credit Card

Sep 17, 2008

Open - Payment Plan

$0

0% of Credit Limit*

Account Details

Last Reported

May 08, 2016

Creditor Name

CAPITAL ONE

Account Type

Credit Card

Account Status

Open - Derogatory

Opened Date

Sep 17, 2008

Closed Date

--

Limit

$750

Term

--

Monthly Payment

$0

Responsibility

Individual

Balance

$0

Highest Balance

$1,185

Payment Status

Payment Plan

Worst Payment Status

Unknown

Date of Last Payment

Jun 01, 2015

Amount Past Due

$0

Times 30/60/90 Days Late

0/0/0

Remarks

Chapter 13; wage earner plan account

                CREDITONEBNK

Credit Card

Jun 03, 2008

Closed

$0

Account Details

Last Reported

May 26, 2015

Creditor Name

CREDITONEBNK

Account Type

Credit Card

Account Status

Closed - Derogatory

Opened Date

Jun 03, 2008

Closed Date

Jan 08, 2010

Limit

$350

Term

--

Monthly Payment

$0

Responsibility

Individual

Balance

$0

Highest Balance

$679

Payment Status

Payment Plan

Worst Payment Status

Unknown

Date of Last Payment

Sep 02, 2009

Amount Past Due

$0

Times 30/60/90 Days Late

0/0/0

Remarks

Chapter 13; wage earner plan account

HARRSN-FOLEY

Other

Nov 20, 2008

Closed

$0

Account Details

Last Reported

May 31, 2016

Creditor Name

HARRSN-FOLEY

Account Type

Secured Loan

Account Status

Closed - Derogatory

Opened Date

Nov 20, 2008

Closed Date

Mar 31, 2016

Limit

--

Term

24 Months

Monthly Payment

$110

Responsibility

Individual

Balance

$0

Highest Balance

$2,120

Payment Status

Payment Plan

Worst Payment Status

Unknown

Date of Last Payment

Jun 29, 2015

Amount Past Due

$0

Times 30/60/90 Days Late

0/0/0

Remarks

Chapter 13; wage earner plan account

Why are these still reporting with recent dates?  My Chapter 13 was discharged and all payments competed on August 15,2015. I have mailed notices to TransUnion  more than once. Are these accounts reporting as they should?  My date of worst delinquency would have been in late 2014. I filed in February 2010. Transunion has said that these accounts will fall off starting in August and September of this year.  My TransUnion score is the lowest one I have especially when looking at the Mortgage scores. I am frustrated as to why these are still showing up.