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public record / bankruptcy

New Member

public record / bankruptcy

Can anyone tell me when a discharged bankruptcy (its been 10 years) falls off your record how it may effect your fico score?
Message 1 of 2
Established Contributor

Re: public record / bankruptcy

10 years from the month of filing.   So, if you filed in February 1998, it should fall in Feb 08; March 1, 2008 at the very latest.
Once you hit the 10 year mark, i.e. you filed 2/5/98 and it is now 2/5/08, dispute it with the CRA's as an obsolete item and it should get deleted.
Message 2 of 2
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