Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
Re: Ch13 Deletion from Credit Report

Carthoris wrote:

 

By the way Equifax policy on removing discharged Chapter 13 is on their website at 7 years after filing:



  • Bankruptcy
         - Chapters 7, 11, and non-discharged or dismissed chapters 12 and 13 remain on file for 10 years from the date filed
         - Discharged chapters 12 and 13 remain on file for seven years from the date filed

https://help.equifax.com/app/answers/detail/a_id/164/noIntercept/1/kw/bankruptcy

 

If they don't actually do that I guess we can protest since it goes against their stated policy on their own website!


Right.  By all accounts, Equifax has been doing exactly as they claim on their website:

 

they age off Discharged (completed) CH 13's at 7 years and

they age off Dismissed (uncompleted) CH 13's at 10 years

 

I wouldn't anticipate any difficulty with them following this process - no one I can recall has had any issues with it.

 

Congrats on that BK removal next month!  That is awesome!

Just puttin' syrup on something, don't make it pancakes.