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Reviewing my CH 7 bankruptcy and have a question...

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Valued Member

Reviewing my CH 7 bankruptcy and have a question...

Hello FICO Family.

So I filed for Ch 7 in Oct 22, 2013 which I know will stay on public record for 10 years. Well I have FICO 3b montioring and was reviewing my negative items when I came across my 16 tradelines that were IIB that experian listed many of the credit card accounts as charge-offs Oct 2013 and 90 day late(for all credit cards) Oct 2013 but I was current (jan13-ok, feb 13ok, etc until Oct Charge-off) on all of these accounts all the way until Oct 2013 when I had filled and EQ and TU don't list charge-offs or lates. Would this be something to dispute even though next year Oct 2020 will be 7 years? Thank you in advance. I hope to hear back from someone that might know.

Message 1 of 4
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Community Leader
Senior Contributor

Re: Reviewing my CH 7 bankruptcy and have a question...

Were these accounts reporting lates and or were charged off prior to your BK filing? If so I believe your history will remain and is reported correctly.

EXP 760 TU 781 EQ 733
Message 2 of 4
Valued Member

Re: Reviewing my CH 7 bankruptcy and have a question...

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@Jnbmom wrote:

Were these accounts reporting lates and or were charged off prior to your BK filing? If so I believe your history will remain and is reported correctly.


 

Message 3 of 4
Valued Member

Re: Reviewing my CH 7 bankruptcy and have a question...

I was current on all of them but I knew I couldn't continue due to my health and 100% disabled veteran and left my federal job with VA so I filled CH 7. 

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