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bankruptcy removal date question

bamagirl1
Established Contributor

bankruptcy removal date question

Ok my question is the bk date i filed is 9/04 and discharged 01/05 i think on my report it says removal 10/14 so is it true that it's removed 10 yrs from the filing date not the discharge date???
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 1 of 10
9 REPLIES 9
octavia
Regular Contributor

Re: bankruptcy removal date question

Bama,
 
BK 7 is 10 for sure and BK13 for 7 years.  It depends on the CB.  EQ said their policy is 10 years whether BK7 or BK13.  I had a BK13 filed in 2000 removed from TU and EX (which was 7 years from filing date).
 
Octavia.
Message 2 of 10
bamagirl1
Established Contributor

Re: bankruptcy removal date question

i understand it's 10 yrs but is it from filing or discharge but my filing was 9-04 and discharge 1-05
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 3 of 10
octavia
Regular Contributor

Re: bankruptcy removal date question

Bama,
 
Yes, it's 10 years from filing date.  You filed in Sept. 2004.  It will be removed by the end of Oct. 2014.
 
Octavia.
Message 4 of 10
COCCO
New Visitor

Re: bankruptcy removal date question

that is true bamagirl1, from the file date.
Message 5 of 10
KLaSha
Valued Member

Re: bankruptcy removal date question

This is so true. I've also had a BK 13 removed from TU and EX however EQ will not budge. My file date was 8/1999
 
*They suck*
 
 
2/4/2009 TransUnion 654
2/4/2009 Equifax 648
2/4/2009 Experian ??
Message 6 of 10
crazyatthebeach
Established Member

Re: bankruptcy removal date question

Bama,  It depends on the cra. You can get lucky and dispute them and it will be taken off your reports if the don't verify.
Message 7 of 10
pilotguy72
Established Member

Re: bankruptcy removal date question

my ch7 just fell off this month and my scores didnt change at all, in fact they went down. I know there are possibly "bucket issues" with this, but what is everyone elses experience? Its pretty frustrating having that thing on my report for 10 years ( I know its my own fault ) and then not having a decent jump. I have read through some threads, but does anyone know how to tell which "bucket" you are in? Sorry if this is a little off the BK topic. I was just hoping for a little jump in my score! Dave.
Message 8 of 10
granny031350
Established Contributor

Re: bankruptcy removal date question

you probably were rebucketed and put in with all those stellar people who have no public records on their file.  Your score will bump up again soon. 
Message 9 of 10
FaircreditguyFL
Established Contributor

Re: bankruptcy removal date question

Your scores drop after BK drops off as you are rated with the "regular people". Question: when did your IIB's drop off your credit reports?
Message 10 of 10
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