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A chapter 7 can remain on your credit report for up to 10 years after the date of the discharge. It will drop off after that because of the federal Fair Credit Reporting Act.

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โˆ™ 2015-07-16 18:27:41
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Q: How many years does it take to get chapter 7 of your credit report?
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Related questions

How many years will a Chapter 7 bankruptcy show on your credit report?

7 years

How many years does a chapter 7 bankruptcy stay on a credit report?

Usually 10 years.

How many years of credit report requests are included on a credit report?

A credit report includes a list of every request for your credit report in the past two years.

Does a Chapter 13 stay on your credit report 7 years after the the discharge date or from the date filed?

I disagree with the earlier comment. As documented in many places, the date of FILING is what matters. It will stay on your credit report for 7 years from the filing date

How many years of credit report request are included on a credit report?

I'm assuming you're referring to Inquiries. The answer is 2 Years.

How many years of credit reports requests are included on a credit report?

Generally, only the last twelve (12) months of credit report requests are included on a credit report.

How long do chapter 7 chapter 13 stay on your record?

Your credit report? For at least 10 years. However, as a matter of public court record, it is available many ways for much longer.

Does a bankruptcy discharged in May of 1997 come off your credit report now since it was before the law changed to 10 years?

The statute of limitations on reporting chapter 7 bankruptcies for 10 years has been in place for many years prior to the Fair Credit Reporting Act being amended in 2003. A chapter 7 bankruptcy can be shown on your credit for 10 years from its date of discharge.

How Long Does Information Stick To The Credit Report?

Credit reporting agencies stores information from credit grantors and public record information, including bankruptcy, choice and liens. Skipped obligations and many criminal record products stick to the credit history for seven years, except for Chapter 7, 11 and 12 bankruptcies, which remain for ten years, and delinquent tax liens, which remain for approximately 10 years. Active positive information may stick to the report indefinitely. Demands for your credit report stick to the credit history for approximately 2 years.

When is a dismissed chapter 13 bankruptcy removed from a credit report?

Probably not. It was an attempt to get out of paying debts and many creditors would consider this to be significant as an indication of your credit risk. A dismissed chapter 13 BK remains on the credit report for 7 years from the date of the dismissal. This is true for Experian and Transunion. Equifax keeps a dismissed Chapter 13 BK for 10 years after date of filing... if anyone has been successful in getting Equifax to remove this item after 7 years, please share how you did it !!

How many years does it take for credit to fall off?

A good credit history will remain on your report. The negative credit reported will usually fall off in around 7 years. Judgments will stay on your credit report until they are satisfied.

How many years before bankruptcy comes off credit report?

7 years

If I filed a Chapter 7 BK prior to the bankruptcy laws changing from 7 years on your credit report to the 10 years on your credit report can my BK fall off after only 7 years?

No...apples and oranges anyway. The law on how many times you can file BK is in know way relevant to credit reporting of what your payment and history has been, which is, essentially, an independent information service (business) available to its subscribers.

How many years is Chapter 13 supposed to appear on your credit report?

A bankruptcy will appear on your credit report for 7 years. Though most banks will not take it into account after 2 years from the date of discharge, if you want to refinance. Though with a chp. 13 you can refinance before the 2 year period. 7 yrs. If it still appears on your credit report after that period you must request that your tradelines & report be updated. This is no longer correct. It will now stay for 10 years. I work with them all the time.

Where can one get a credit history report?

There are many ways one can get their credit history report. Among them are the Annual Credit Report, Free Credit Report, Credit Karma, TransUnion and more.

Once the seven years is up and the Bankruptcy is no longer on your credit report then you have the issue of a big gap in years on your credit report how do you handle this?

The "seven year" thing is somewhat obsolete for a few reasons. 1. Chapter 7 stays TEN years, not 7. Chapter 13 stays seven. 2. Many, many lenders will offer credit before that time frame is up. In under a year from discharge, some subprime credit card companies might offer you a small card. After about 3 - 4 years about 50% of "prime" lenders will do at least something for you if you have re-established some credit. Do this right and the "gap" will be nonexistent.

Was bankruptcy always listed for 10 years?

It has always been 10 years. Some CRAs will take it off after 7. Bankruptcy has its basis in the Bible. The Bible states 7 years so many places (including CRAs) ignore it after 7. More input from FAQ Farmers: * I don't know for how long, but for at least the past 8 years the rule has been that Chapter 7's are on your credit report for 10 years, and Chapter 13's are on your credit report for 7 years. I think the fact that different chapters affect your credit for a different amount of time is where the confusion comes from.

How can one access or get a free credit report?

There are many ways how a person can access or get a free credit report. There are websites such as, go free credit, free credit report, and credit report all offer free credit reports.

How many points will your credit score go up once your Chapter 7 bankruptcy falls out off your credit report?

Significantly, but most important of all will be what have you done to make sure you have paid your credit cards on time and how have you rebuilt good credit since you last file Chapter 7.

Where could one get an instant credit report?

One could get an instant credit report from many different places. One Stop Credit Report gives fast credit reports, as do Credit Karma and Annual Credit Report. These three sites are excellent places to go for an instant credit report.

Where can one get free transunion credit reports?

CreditRepair are experts in the credit repair field and helps individuals meet their credit goals. CreditRepair process has been been developed, refined and proven over many years and thousands of customers. FREE CREDIT REPORT SUMMARY

What is meant by a credit report?

A credit report is a type of service that many different companies provide. A credit report means to allow a consumer to check their credit and spending history.

I have paid my default in full can i have it remove from my credit file?

No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.

Where can a person get a credit score report?

One can get a credit score report from many different places that offer them, such as credit consulting companies. One can also request a credit score report from the Equifax, Annual Credit Report, and TransUnion websites.

What is the purpose of the Experian credit report?

The purpose of the Experian credit report is to find out your credit score as well as many other things. The Experian credit report is everything you need to know about your credit score.