@Anonymous wrote:I'm 3 years and a few months post CH 7 BK. For reference at what point do accounts that were included in a BK dropoff my credit report? Or do they stay forever?
All the accounts included in my BK had 30, 60 and 90 day late payments at the end. Since I wasn't paying them leading up to the BK.
Since the BK, every account I have has been paid on time. I know the BK stays on the report for 10 years. So I'm just curious about the actual credit accounts that were included and are all closed.
Depends on who the account is with. I can say that for me AMEX dropped off first. Cap1 deleted my old accounts around year 4 after 2 good years of no lates with the 2 new cards. All other cards are still there and closed. I didn't have any late pays prior to filing so my scores have rebounded a bit quicker. In general the accounts will stay until the actual delete date unless the creditor voluntarily removes them. Some do when BK is involved.
