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When will my BK go away?

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Regular Contributor

When will my BK go away?

I filed chapter 13 in Sep. 2014. It was dismissed, not discharged in Mar. 2018.

When will this not be on my credit report any more? Should I be looking at 2021 or 2025?


Message 1 of 7
6 REPLIES 6
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Contributor

Re: When will my BK go away?

13's stay on your report for 7 years since they are repayment plans (it's 7's that stay on the report for 10 years) 

Message 2 of 7
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Regular Contributor

Re: When will my BK go away?

So, 7 years from my file date or 7 years from my dismiss?


Message 3 of 7
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Established Member

Re: When will my BK go away?

7 years from file date

Filed CH13: Aug 13 | Discharged Oct 18
FAKO Scores 1/15: EQ 508 | TU 554
FICO Scores 3/18: EQ 670 | TU 605 | EX 648


Message 4 of 7
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Community Leader
Super Contributor

Re: When will my BK go away?

09/2021

You can ask for EE from the CRA as follows..
TU-6 months
EQ-1 month
EX-3 months

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 5 of 7
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Member

Re: When will my BK go away?

EE?....=......Early Erasure? Early Elimination?    Is there a proper/accepted/more successful procedure for this?

Thank you for any further info or direction to it!

Message 6 of 7
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Valued Contributor

Re: When will my BK go away?

Early Exclusion. You can call them or do one online and request one to have them come off your report early, based on the guidelines in the other post. So in March of 21, you can ask TU to grant an early exclusion and they will remove it then instead of September.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 7 of 7
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