Re: Neg credit items fall off bk date filed or date closed/res
[ Edited ]
09-25-2012 07:26 PM - edited 09-26-2012 06:09 PM
For the negative items it is 7 years plus 180 days (or 7.5 years) from the date that you went delinquent and never brought the account back current.
For the reporting of a bk to the CRA's the count starts at the filing date. So for a 7 it is 10 years and a 13 is 7 years.
Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
Current Scores: EX 719 (Lender pull), TU 670 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 6/7/2013