topic Chapter 13 Question in Bankruptcy

Chapter 13 Question

Anonymous — Tue, 19 Aug 2014 15:22:02 GMT

Hello

I have a question, one that might have been asked many times.. I have a chapter 13 bankruptcy that is due to come report off this month. It has been 10 years to the month. My question is, when exactly does bankrupty come off reports, end of this month? I am curious because I started repairing my credit about 6 months back using everything I have learned from this website. I started with a 560 score, now I am sitting at about 620 I am curious if my score will go up more when the bk drops off, or will it stay around the same because it is old and not pulling score down very much anymore? Any insight would really be appreciated. Thanks!!

Re: Chapter 13 Question

TRC_WA — Fri, 22 Aug 2014 01:23:07 GMT

You'll surely gain a few points, but I wouldn't expect huge gains because of the age of the public record and the fact that it isn't affecting your score all that much anymore.

Re: Chapter 13 Question

Anonymous — Fri, 22 Aug 2014 11:27:14 GMT

Thanks for responding! DO you know when they actually drop off report? End of the month that it is due to come off in?

Thanks

Re: Chapter 13 Question

TRC_WA — Fri, 22 Aug 2014 12:05:27 GMT

I believe so...

Re: Chapter 13 Question

Anonymous — Fri, 22 Aug 2014 12:59:26 GMT

Thanks a bunch. Cant happen soon enough. It will finally close a chapter of financial ruin for me!! Take care & thanks again

Re: Chapter 13 Question

fournee — Tue, 23 Sep 2014 17:42:24 GMT

I thought Chapter 13, only stay on your report for 7 years?? From my understanding it's from the date of filing, not discharge. Why is yours 10 years?

Re: Chapter 13 Question

TRC_WA — Tue, 23 Sep 2014 19:10:23 GMT

Discharged 13s stay for 7 years from filing date... Dismissed 13s stay for 10 years.

Re: Chapter 13 Question

fournee — Tue, 23 Sep 2014 21:07:26 GMT

Thank you. I understand .

Re: Chapter 13 Question

Warrior2000 — Sat, 09 Apr 2016 01:06:48 GMT

Any way you can ask to be removed before? I'm 9 months away and it was listed as a reason on a credit approval.

Want to remove it from my life completely!!!

Re: Chapter 13 Question

TRC_WA — Sat, 09 Apr 2016 17:30:15 GMT

@Warrior2000 wrote:
Any way you can ask to be removed before? I'm 9 months away and it was listed as a reason on a credit approval.

Want to remove it from my life completely!!!

Won't happen prior to 6 months.

TU has been known to delete 6 months early... EQ and EX 1-3 months early.

You have to call or mail a request.