Your bankruptcy was discharged in 2002 how long does it stay on your credit report?

Answer 1

I believe the time it takes for a bankruptcy to be removed from your credit report depends on which typed of bankruptcy you filed but and I do mean but let me tell you what happened to me so that it does not happen to you. In 1994 I filed bankruptcy after the death of my husband. Mostly, it was credit cards and small loans. I did re affirm with a couple of the companies and made a deal to pay them. That bankruptcy would have been removed in 10 years and I could not wait for 2004 to pass in time because the bankruptcy really bothered me. meanwhile I remarried, and after 5 years after filing I had already re established myself and my credit. My new husband and I were even able to buy a house in 1999. Well, in 2004 when interest rates dropped we wanted to refinance and when I went to the bank that held our mortgage and started the paper work the finance officer ran my credit report and he said, :I don; t know how you even got the house in 1999 because it has here that you were late 22 times out of 24 times with Fleet Bank. I was stunned; especially since I never had a Fleet account but since we still would get a new loan with my husband's income only and save about $100 a month on our mortgage, we had to do it that way, and without my income; therefore, my name had to be taken off my mortgage because of inaccurate information on the credit report. I was so upset and racking my brain to figure the entire mess out when just for the heck of it I pulled out my old bankruptcy papers and compared Account numbers only; not the name of the banks; and low and behold Fleet Bank was on the report where Colonial National Bank had been when the bankruptcy had been discharged. I contacted the big three agencies with documentation of proof that the info was inaccurate and in a couple of weeks I received from two of them corrected reports which also had some other wrong info. They apologized didn't do me much good though> I had lost my name on my mortgage. I was so angry but even more so when Equifax (who prides themselves on being so accurate) refused to remove the information. All they did was write (included in bankruptcy) which it wasn't since Fleet was not even a debt that I owed but when they bought Colonial National Bank evidently they still try to get the money even though it has been discharged. Also, when they put on the report, (included in bankruptcy ) it had already been past the 10 year limit. I did not feel good about having to file bankruptcy at all and I was so glad to be able to clear it up and then for that to happen was just plain wrong and I reported them to SEC with no help. When I filed the bankruptcy every thing I did was legal and I even re affirmed with several companies and paid them off, what Fleet bank did was illegal and equifax also acted illegally by leaving that on there for so long. Now, I can't even talk to the bank about my house or anything because my name is not on the mortgage and something needs to be done about this kind of thing. What is the point of bankruptcy if we follow the law but the Banks, and FCRA agencies don't. So my point is when you do file bankruptcy keep checking your credit reports especially before you go to try and get a loan and you are made to look foolish like I was. As answered here a zillion times...BANKRUTPCY WILL STAY ON YOUR CREDIT REPORT FOR AT LEAST 10 YEARS FROM DISCHARGE DATE. As a matter of public court record it is actually available for much longer. Credit reports are a private incormation service for subscribers, who pay fee's for the reports. Not all reports are ordered with full 10 year histories, some credit providers look shorter term.

Answer 2

Bankruptcy only impacts your credit for 7 years. Contact Experian, Transunion, Equifax to get it removed from your credit report. Addresses and phone numbers to all 3 are avail. on internet,

Answer 3

They go by when it was filed--not discharged. Legally, the answer is 10 years from filing; however, some credit bureaus remove Chapter 13 after 7 years.

Answer 4

10 years from discharge