topic Re: BK Fall Off Date??? in Bankruptcy

BK Fall Off Date???

Anonymous — Sat, 13 Apr 2013 01:42:46 GMT

I'm unsure of when a bk should come off my reports. Is it 10 years from the filing date or 10 years from the discharge date?

Re: BK Fall Off Date???

starry1 — Sat, 13 Apr 2013 01:43:56 GMT

Date of filing.

Re: BK Fall Off Date???

Anonymous — Sat, 13 Apr 2013 01:46:08 GMT

That's great news, Thank you for answering my question!

Re: BK Fall Off Date???

DaBears — Tue, 16 Apr 2013 03:47:41 GMT

@starry1 wrote:
Date of filing.

Starry will hate me if I say when mine falls off

Re: BK Fall Off Date???

starry1 — Thu, 18 Apr 2013 16:47:52 GMT

I'd never hate you. When does it come off?

Re: BK Fall Off Date???

DaBears — Fri, 19 Apr 2013 00:20:37 GMT

March 2014, maybe sooner

Re: BK Fall Off Date???

starry1 — Fri, 19 Apr 2013 00:41:08 GMT

Sweet! I've got 10 long years to go, until November 2022.

Re: BK Fall Off Date???

DaBears — Fri, 19 Apr 2013 00:50:01 GMT

When I first filed I didn't care at the time how long I had to wait. Now its under a yr I'm anxious for it to be removed lol I'm going to get a very nice bump when this baby drops off. Im looking atleast a 75-100 point increase.

Re: BK Fall Off Date???

GST2008 — Wed, 24 Apr 2013 11:26:54 GMT

My BK just fell off the last of my three reports today! It's been 10 long years, but I am now officially BK free!!!!!

Re: BK Fall Off Date???

dbslove2 — Wed, 24 Apr 2013 15:57:58 GMT

Mine is not projected to fall off until 02/15 (chapter 7); I am hoping for sooner.

Dee

Re: BK Fall Off Date???

starry1 — Wed, 24 Apr 2013 16:55:53 GMT

@GST2008 wrote:
My BK just fell off the last of my three reports today! It's been 10 long years, but I am now officially BK free!!!!!

CONGRATS!

Re: BK Fall Off Date???

Anonymous — Wed, 24 Apr 2013 18:20:48 GMT

Hi all!

So when your bankruptcy falls off your score jumps pretty drastically?

Is there any way of knowing how much it could jump?

Mine falls off October 2016

That will be 3 LONG years!!!

Re: BK Fall Off Date???

starry1 — Wed, 24 Apr 2013 19:47:53 GMT

There's no way to tell because it depends on what else is in your report.

Re: BK Fall Off Date???

rm3 — Thu, 25 Apr 2013 01:24:23 GMT

I'm expecting mines to fall off EQ in a week-May 1. I can hardly contain my excitement. 10 long years.....a bottle of champagne to celebrate is in order!!!!

Re: BK Fall Off Date???

Anonymous — Fri, 03 May 2013 16:30:55 GMT

Does the fall off date vary by state? I was under the impression it was 7 years... if it really 10? I just passed the 7 year mark earlier this year...haven't ordered new reports yet, so I'm not sure if it's gone or not. I'm gonna be SEVERELY bummed if it's 10 when I was told 7 before

Re: BK Fall Off Date???

DaBears — Fri, 03 May 2013 18:12:40 GMT

Chapter 7 remains for 10 yrs from date filed. All accounts included in the chapter 7 will be removed from your credit reports at the 7 yr mark.

Chapter 13 remains only for 7 yrs.

Re: BK Fall Off Date???

Anonymous — Fri, 03 May 2013 19:10:42 GMT

So that sounds like (since it was a 7) that the negative score impact will remain for 3 more years even though the "detail" of the accounts involved is now gone. Is that correct?

Re: BK Fall Off Date???

fot1 — Sat, 04 May 2013 00:44:17 GMT

Don't get your hpopes up for score increases.. it really is a YMMV thing.. some have had score jump, other scores have fallen and for me 2 out the 3 so far no score change at all.