https://ficoforums.myfico.com/t5/Bankruptcy/Converted-chapter-13-to-7/m-p/5459985#M60301 I just have a couple question. I originally filed a chapter 13 in October of 2011. I paid on that until i converted to chapter 7 in may 2015. So that was almost 4 years. It was enough time that all my secured loans were paid back and my mortgage arrears were satisfied. Even some of the credit cards were paid.<BR />My question being that since i originally went 13 then converted to 7 almost 80% done does the BK stay on my report for the full 10 years now for the 7 and not the 7 years like a 13 does? The 7 year mark passed this October and its still there.<BR />Is there anyway to ask for it to be removed using the above mentioned items?<BR /><BR />And one last question (sorry) i got a divorce about 2.5 years ago (after 28.5 years of marriage) and turned my credit life around but i had a hell of a hole to dig out of. We had several late payments on different loans. I know they can stay for 7 years but how long do the generally affect you credit score? I haven't had any since dec 2016 ( 2 years).<BR />Just thought of another one.. i paid off several collections during the divorce time.<BR />We had a couple credit cards that i refused to pay (pissed from the divorce).<BR />They eventually just charged them off.<BR />So the are still sitting there with exaggerated numbers owed but they are not listed as delinquent or as collections. Should i reach out and attempt to settle these debts or just left them fall off in a couple more years? Credit karma scores are now 694/688 ( trans/equifax). Id really like to get to that 700 mark and step up into the "good" range. I have a couple really high interest loans id like to refinance for better rates but feel i should wait until im in the "good" zone? And suggestions?<BR />Thanks,<BR /><BR />Gerald Mon, 07 Jan 2019 12:34:57 GMT Anonymous 2019-01-07T12:34:57Z https://ficoforums.myfico.com/t5/Bankruptcy/Converted-chapter-13-to-7/m-p/5459985#M60301 I just have a couple question. I originally filed a chapter 13 in October of 2011. I paid on that until i converted to chapter 7 in may 2015. So that was almost 4 years. It was enough time that all my secured loans were paid back and my mortgage arrears were satisfied. Even some of the credit cards were paid.<BR />My question being that since i originally went 13 then converted to 7 almost 80% done does the BK stay on my report for the full 10 years now for the 7 and not the 7 years like a 13 does? The 7 year mark passed this October and its still there.<BR />Is there anyway to ask for it to be removed using the above mentioned items?<BR /><BR />And one last question (sorry) i got a divorce about 2.5 years ago (after 28.5 years of marriage) and turned my credit life around but i had a hell of a hole to dig out of. We had several late payments on different loans. I know they can stay for 7 years but how long do the generally affect you credit score? I haven't had any since dec 2016 ( 2 years).<BR />Just thought of another one.. i paid off several collections during the divorce time.<BR />We had a couple credit cards that i refused to pay (pissed from the divorce).<BR />They eventually just charged them off.<BR />So the are still sitting there with exaggerated numbers owed but they are not listed as delinquent or as collections. Should i reach out and attempt to settle these debts or just left them fall off in a couple more years? Credit karma scores are now 694/688 ( trans/equifax). Id really like to get to that 700 mark and step up into the "good" range. I have a couple really high interest loans id like to refinance for better rates but feel i should wait until im in the "good" zone? And suggestions?<BR />Thanks,<BR /><BR />Gerald Mon, 07 Jan 2019 12:34:57 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Converted-chapter-13-to-7/m-p/5459985#M60301 Anonymous 2019-01-07T12:34:57Z