Close oh so close!!! Please help

[akamagnus]

I filed Chapter 13 in 9/2000 and it was dismissed in 12/2000. I filed Chapter 7 in 9/2003 and discharged in 12/2003. When will they fall off? I'm so close to buying a house and I want trying to get all my scores up to where they need to be.

Thanks

TU 625

EQ 609

EX ???

[MarineVietVet]

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@akamagnus wrote:

I filed Chapter 13 in 9/2000 and it was dismissed in 12/2000. I filed Chapter 7 in 9/2003 and discharged in 12/2003. When will they fall off? I'm so close to buying a house and I want trying to get all my scores up to where they need to be.

Thanks

TU 625

EQ 609

EX ???

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Chapter 7 remains for 10 years from the filing date. Chapter 13 remains for 7 years from the filing date. Accounts included in bankruptcy will remain 7 years from the date they were reported as included in the bankruptcy.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
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[akamagnus]

Thanks for the quick reply. I wonder why the Chapter 13 has not fallen off as of yet. Do I need to request to have them removed? If so, how is that done?

[MarineVietVet]

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@akamagnus wrote:

Thanks for the quick reply. I wonder why the Chapter 13 has not fallen off as of yet. Do I need to request to have them removed? If so, how is that done?

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I would dispute with the CRA's that this account is outside the CRTP (Credit Reporting Time Period).

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[Anonymous]

Discharged Ch 13's report for 7 years;

Dismissed Ch. 13's apparently report for 10 years on EQ; but 7 years on EXP and TU according to their websites.

I agree - I would dispute those which should have aged off - because of the fancy letters MVV said.