After your Bankruptcy falls off your credit report do banks have anyway of knowing u had a Chapter. The reason i'm asking is because my Chapter 13 is due to fall off my credit report in October of this year?
Starting Score 3-31-08: EQ 582 TU 577 EX 625 Current Score 3-19-10: EQ 703 TU 712 EX No Clue Goal Score: 800 By January Of 2012
Date of removal is never date certain... could happen at anytime. BK code states BK will not remain on credit report for no more than 10 years. Typically, CRAs remove BK13, for the most part, approximately 7 years after filing date and BK7 is removed approximately 10 years after filing date.