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Ch 13 Reporting Question

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lkcrew426
Regular Contributor
‎06-23-2016 07:35 PM
‎06-23-2016 07:35 PM

Ch 13 Reporting Question

I've read around trying to distinguish between 13 vs 7 but wanted to clarify something. Say I file 13 in 2016 and pay on the plan until 2021. Does the bankruptcy fall off credit reports in 2023 or 2028? Hopefully that makes sense . . . 

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seanny
Valued Member
‎06-23-2016 07:47 PM
‎06-23-2016 07:47 PM

Re: Ch 13 Reporting Question

Completed Ch13 are removed after 7 years so 2023 is correct.

Ch13 filed 3/30/2012 discharged 5-4-2017 | FICOs: EQ-08 684 0hps, EX-08 674 2hps, TU-08 668 1hp | AMEX Blue Cash Everyday $15,000 | Barclay Rewards $2,800 | BOA Cash Rewards $5,000 | Chase Freedom Unlimited $2,000 | Discover IT $10,800
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lkcrew426
Regular Contributor
‎06-23-2016 07:52 PM
‎06-23-2016 07:52 PM

Re: Ch 13 Reporting Question

Thank you! My mom filed years ago and was explaining that hers didn't fall off until 7 years after she finished paying for 5 years and I was worried about that situation. Having it on there for so long would get old. 

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