Established Contributor
Posts: 999
Registered: ‎11-08-2011
Re: Filing or Discharge date to count number of years post bk?

Don is right.


If you get a 13 discharged, you are presumed to have 3-5 years of perfect payment history to the court, too.


And remember, after discharge of a 13, you're 3-5 years post filing... the impact of the BK isn't nearly as bad, and, depending on timing, some of your delinquent accounts may have fallen off, too.


Regardless, both 7 and 13 are based on filing date.  6 years after filing a 7 can get someone a $7500 approval, too.  Heck, I'm only 2.3 years post filing my 7 and have a visa w/ a $8000 limit.  Granted it's NFCU, but I also have a Discover w/ a $2500 limit.  



I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.