Credit applications - History question

[PandiferBear]

I was just reading another thread about credit cards and BK.  It brought a question to mind for me.  Some applications ask if your credit history is free of BK.  If you have a BK that has fallen off, can you say that it is free of BK on the app? 

[gdale6]

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@PandiferBear wrote:

I was just reading another thread about credit cards and BK.  It brought a question to mind for me.  Some applications ask if your credit history is free of BK.  If you have a BK that has fallen off, can you say that it is free of BK on the app? 

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Yes your credit history is actually what is being reported on your CRs not what has been excluded or dropped due to age.

[PandiferBear]

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@gdale6 wrote:

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@PandiferBear wrote:

I was just reading another thread about credit cards and BK.  It brought a question to mind for me.  Some applications ask if your credit history is free of BK.  If you have a BK that has fallen off, can you say that it is free of BK on the app? 

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Yes your credit history is actually what is being reported on your CRs not what has been excluded or dropped due to age.

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Great! Good to know. I have been curious about that. Thank you!

[MT936]

if it has dropped off the creditors wont see it when they pull your report so you should be ok