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Bankruptcy Discharge Date

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Laredo
Contributor
‎09-10-2007 09:35 PM
‎09-10-2007 09:35 PM

Bankruptcy Discharge Date

I had a bankruptcy discharged in Jan 2002.  When I look at my equifax credit report is shows a discharge date of 20/01/03 and a verification date of 20/02/03.  Am I wrong but it looks like they put 20 for the year instead of 02.  Do I need to correct this or not worry about it?  How do I go about correcting it if I need to?
(Ch13 Discharged 07/22) Current Cards: American Express Gold: NPSL | American Express Blue Cash Everyday: $15,000 | American Express Delta SkyMiles Platinum: $1,700 | Navy Federal Credit Union Cash Rewards: $10,000 | Dover Federal Credit Union Cash Back: $10,000 | Penfed Cash Rewards: $7,500 | Truist Enjoy Cash: $5,500 | Truist Enjoy Travel: $5,500 | Truist Future: $3,500 | Bread American Express Cash Back $8,500 | Discover it $12,000 | USAA Rewards Amex $12,000 | Kohl’s $800 | Care Credit $7,000 | Lowes $3,000 | Amazon Store Card $1,500 | Jared $5,000
Total Revolving Credit: $108,500
Closed Rebuild Cards: Ollo Platinum: $3,900 | Ollo Rewards: $3,000 | Mercury $3,000 | Surge Card $1,000
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Anonymous
Not applicable
‎09-11-2007 06:11 AM
‎09-11-2007 06:11 AM

Re: Bankruptcy Discharge Date

I noticed the same thing.  Is that accurate? 
 
Laredo,
 
BTW, my BK 7 was discharged in Jan. 02 also.


Message Edited by myhearts07 on 09-11-2007 08:19 AM
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Anonymous
Not applicable
‎09-11-2007 06:18 AM
‎09-11-2007 06:18 AM

Re: Bankruptcy Discharge Date


Laredo wrote:
I had a bankruptcy discharged in Jan 2002.  When I look at my equifax credit report is shows a discharge date of 20/01/03 and a verification date of 20/02/03.  Am I wrong but it looks like they put 20 for the year instead of 02.  Do I need to correct this or not worry about it?  How do I go about correcting it if I need to?

Looks like the European way of writing a date.
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Laredo
Contributor
‎09-11-2007 10:21 AM
‎09-11-2007 10:21 AM

Re: Bankruptcy Discharge Date

I was wondering if this affects anything.  If BKs drop off in 7 to 10 years then it seems to me they will go by the 20/01/03 and not drop off for years.  It will be six years in Jan since the BK was discharged so it should drop off in a year or two or three.  Should I get this corrected or it okay the way it is?
(Ch13 Discharged 07/22) Current Cards: American Express Gold: NPSL | American Express Blue Cash Everyday: $15,000 | American Express Delta SkyMiles Platinum: $1,700 | Navy Federal Credit Union Cash Rewards: $10,000 | Dover Federal Credit Union Cash Back: $10,000 | Penfed Cash Rewards: $7,500 | Truist Enjoy Cash: $5,500 | Truist Enjoy Travel: $5,500 | Truist Future: $3,500 | Bread American Express Cash Back $8,500 | Discover it $12,000 | USAA Rewards Amex $12,000 | Kohl’s $800 | Care Credit $7,000 | Lowes $3,000 | Amazon Store Card $1,500 | Jared $5,000
Total Revolving Credit: $108,500
Closed Rebuild Cards: Ollo Platinum: $3,900 | Ollo Rewards: $3,000 | Mercury $3,000 | Surge Card $1,000
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Anonymous
Not applicable
‎09-11-2007 10:53 AM
‎09-11-2007 10:53 AM

Re: Bankruptcy Discharge Date

I've been told that (and seen here on this site) that Ch 13 comes off in 7 years, Ch 7 takes 10. If yours is a Ch 7 and your discharge date is in 2002, doesn't that mean that it would come off in 2012? Of course mine was done in 1999 and I know laws change, so I could be wrong. I believe the discharge date has something to do with when the court accepted it and it you were officially released of the responsibility or something like that. I believe it's a month or two after you file.  I noticed it on mine too and thought that was a really weird date. I wish that were the way you read it, cause that would mean mine would come off this month (September) but I'm sure no such luck. Smiley Wink


Message Edited by hipgal0825 on 09-11-2007 11:00 AM
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