Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
Re: Neg credit items fall off bk date filed or date closed/resolved
[ Edited ]

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. 


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