Credit Cards

[Anonymous]

Do credit cards charged off in bankruptcy now with 0 balance come off after 7 years even though bankruptcy on for 10 years?  

[wahmom]

It is my understanding that credit cards will fall of 7 to 7.5 years from DOFD.

[Anonymous]

Thank you....!

[Anonymous]

Bankruptcy: Chapters 7, 11, and 12 remain for 10 years from the filing date. Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in the bankruptcy.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

[wahmom]

---

@Anonymous wrote:

Bankruptcy: Chapters 7, 11, and 12 remain for 10 years from the filing date. Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in the bankruptcy.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

---

Sorry to disagree just a little but I was just politely informed on the phone by a CSR at EQ a dismissed CH 13 BK remains on your EQ report for 10 years. Only a discharged CH 13 BK will fall off after 7 years.

Mine fell off TU & EX a long time ago. EQ says it stays until 12/08.

[Anonymous]

Yes- seems only EQ follows this rule though-

---

@wahmom wrote:

---

@Anonymous wrote:

Bankruptcy: Chapters 7, 11, and 12 remain for 10 years from the filing date. Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in the bankruptcy.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

---

Sorry to disagree just a little but I was just politely informed on the phone by a CSR at EQ a dismissed CH 13 BK remains on your EQ report for 10 years. Only a discharged CH 13 BK will fall off after 7 years.

Mine fell off TU & EX a long time ago. EQ says it stays until 12/08.

---