Chpt 7 BK discharges the debt, and thus prevents accrual of new delinquencies, and thus addition of payment history profile derogs after the date of the discharge.
However, it does not erase the factual, prior history before the debt was discharged.
The payment history profile will continue to show prior monthly delinquencies.
The lates are subject to the normal exclusion provisions under the FCRA.
More specifically, they will become excluded no later than 7 years from the date of initial delinquency that preceded the reported delinquency.
