You can write the CRA's giving them the date the BK 13 was finished (discharged). You will also need to supply court info, or send copies of the final discharge papers.
As far as I'm aware, it is removed automatically after 7 or 10 years from the filing date depending on which chapter you filed.Thanks for using Answers.com!
yes, it will remain on your credit reports for 7 years
It should be removed automatically, but sometimes the credit reporting agencies fail to remove it. If they leave it on there after 10 years, you can go to each credit reporting agency's webwsite and do a dispute form and they should remove it. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
No.
Credit restoration involves disputing your negative items listed on your credit reports to the credit bureaus. Under the Fair Credit Reporting Act, consumers can dispute anything on their credit report they believe to be inaccurate or erroneous. The credit bureaus then have 30 days to verify the item or it must be removed from your credit reports.
As far as I'm aware, it is removed automatically after 7 or 10 years from the filing date depending on which chapter you filed.Thanks for using Answers.com!
yes, it will remain on your credit reports for 7 years
It will stay on your credit reports for 7 years.
No. Sometimes it will be reported as "Included in Bankruptcy"
It should be removed automatically, but sometimes the credit reporting agencies fail to remove it. If they leave it on there after 10 years, you can go to each credit reporting agency's webwsite and do a dispute form and they should remove it. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
Absolutely not. You'll have to contact each credit bureau and challenge each account. It's frustrating, but it's worth keeping your credit score up and your history clean.
yes true
The answer is yes -- Chapter 13s are removed after 7 years in a credit file
You cannot get it removed from your credit report. It will be on your credit report for 10 years and it will affect your ability to get loans and other type of credit accounts.
Bankruptcy can stay on your credit report for up to 10 years. I say "up to" because you can ask to have it removed and in some cases they may do so. After 10 years if it is not removed, you can demand that it be removed.
No.
Credit restoration involves disputing your negative items listed on your credit reports to the credit bureaus. Under the Fair Credit Reporting Act, consumers can dispute anything on their credit report they believe to be inaccurate or erroneous. The credit bureaus then have 30 days to verify the item or it must be removed from your credit reports.