Ten years from the date of filing, unless the law changes between now and then.
A chapter 11? A farm? Bankruptcies are not "seen" by credit reporting bureaus, they just report them. They can see them any time by logging on to a bankruptcy court web site with their log-in info. They can only report bankruptcies up to 10 years after the filing date.
I filed at the same time & my lawyer at the time told me it would be on my credit report for 10 years. But you can get it removed in 7 years, but you have to request to have it removed. So now I am looking to have it removed & was thinking of calling a lawyer & asking them how to go about doing that. Hope this helps. I think 7 years is long enough!
No. Ten years from discharge. The record pf the filing and is actually available longer, as a public court record, should anyone care to look.
A Chapter 13 bankruptcy that was dismissed without being successfully discharged will typically remain on your credit report for 7 years from the date it was filed. This means it may stay on your credit report until August 2006, assuming there are no other issues that extend the reporting period.
while it may be available for longer...as it remains a matter of public record, the standard credit report format shows these for 10 years from dismissal.
The new bankruptcy laws have nothing to do with the length of time a debt or bankruptcy remains on a credit report. BK info, as a matter of Federal Court records, is available almost indefinitely Virtually all credit reports from the major credit agencies will report it for 10 years from discharge, in their normal format of standard reports. As information services, a longer, or shorter time period may be requested and provided, depending on what the requester wants to pay for. (A 3 year report costs less...and provides less, but may be adequate for that person/Cos purpose). The laws for refiling Bankruptcy were changed in 2005...and that depends on types in question, and again the new law applies to all. See the Q; "How many times or when can you file bankruptcy again in any state or place"
If your bankruptcy was "discharged" in 2000, then yes. Discharged means it is done! If you are still in a chapter 13 bankruptcy, still paying the trustee--then no. If the trustee finds out about the CD, it will cause lot of problems.
It should have come off no later than 1999/2000. First make sure that it is on your credit report in a place that a lender may see it. Some CRAs send individuals a "complete" report that may not be avail. to creditors or potential creditors. You can also contact the CRAs directly. Experian, Trans-Union and Equifax are the CRAs.
I believe that student loans are a category of debt that is not dischargable in bankruptcy. The bankruptcy will show up on any credit reports, and you may subsequently be unable to et additional loans. I filed for bankrupcy in 1998. I was able to obtain Student Loans despite the bankruptcy in 1999-2000. My past credit history was not considered when determining my student loan application.
Derogatory information on a credit report normally stays with the record appx. 7 years..The longer you wait to pay, the longer it sticks with you.Remember..7 years is from the last activity.
chapter 7 you can file every 8 years. chapter 7 lasts 10 years starting with the new laws in 2005. since you filed before 2005 your chapter 7 stays on your credit report 7 years as opposed to 10 years.
You can look up your credit report online. The lien holder would show on your credit report not the dealership. A repo stays on your credit for 7 - 10 yrs.