Re: Ch13 Deletion from Credit Report
08-04-2011 01:43 PM
Was is 7 or 10 years after discharge or after filing?
Here's the scoop:
Ch 7 BK's report for 10 years after filing date.
CH 13 BK's report for 7 years after filing date if they're completed and discharged.
CH 13 BK's that are not completed (dismissed) report for 7 years after filing date on EXperian and TU, and for 10 years after filing date on EQuifax.
I know that's the general rule but.....on TU and EX our discharged ch 13 (filed in 11/04, completed 9/08) is scheduled to remain on our reports until 11/14). Anyone not have their DISCHARGED Ch 13's come off at the 7 year mark???? It worries me that it has 11/14 as the d/o date on those reports.
CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16