Established Member
Posts: 1,163
Registered: ‎01-22-2008
Re: Ch13 Deletion from Credit Report

beamMEup wrote:

Carthoris wrote:

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