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.
Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014