topic Re: 10 years next mo. in Bankruptcy

10 years next mo.

Anonymous — Thu, 24 Sep 2009 20:28:47 GMT

Hello,

I filed my BK ten years ago this October. I've read mixed information around the internet about how to get the BK off of my credit report. Some information states it just falls off while some claim that I have to write to each credit bureau.

Then I remember that I had a myFico account and thought I would pose the question here. I read through the FAQ and did not see this particular nugget of information there.

Answers based upon experience will be greatly appreciated.

Thanks,

X51

Re: 10 years next mo.

credit911 — Fri, 25 Sep 2009 21:38:46 GMT

Hello X51,

To the best of my knowledge, the derogatory bankruptcy information should automatically be removed by the credit bureaus once the necessary time has elapsed. I would wait a month or or so past the 10 year mark then pull my credit reports to make sure that it has been removed. I wouldn't foresee any problems, but you never know...

Re: 10 years next mo.

Anonymous — Sat, 26 Sep 2009 22:46:53 GMT

Thanks for the info.

I had a Score Power laying about and I used it and saw the BK is gone and I'm nearly breaking 700!

Time to celebrate with a taco!

Re: 10 years next mo.

movinonup79 — Thu, 05 Nov 2009 16:17:28 GMT

Wow this is so exciting! I unfortunately was very stupid when I was young - filed a chapter 7 in 2000 and filed a chapter 13 in 2004 which I didn't go through with and had dismissed. So in August of 2010 I will have the 7 fall off and in February of 2011 the 13 falls off. I hope I will be back in the 700's as well!

Re: 10 years next mo.

Anonymous — Sun, 15 Nov 2009 05:02:28 GMT

@Anonymous wrote:
Hello,

I filed my BK ten years ago this October. I've read mixed information around the internet about how to get the BK off of my credit report. Some information states it just falls off while some claim that I have to write to each credit bureau.

Then I remember that I had a myFico account and thought I would pose the question here. I read through the FAQ and did not see this particular nugget of information there.

Answers based upon experience will be greatly appreciated.

Thanks,
X51

Just remember it is 10 years from the date of DISCHARGE, not the date filed.

Re: 10 years next mo.

Anonymous — Tue, 24 Nov 2009 21:42:51 GMT

Ifiled 12/99. It just fell off EQ and my score went from 694 to 788. That is with high credit usage which I don'tnormally do.

On the other hand EX went from 770 to 764.

Hope this helps.

haven't checked TU yet.

And yes, I am very happy

It was the date of filing.

Message Edited by casinoannie97 on 11-22-2009 11:06 AM

Message Edited by casinoannie97 on 11-24-2009 01:42 PM