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If a bankruptcy was discharged in 2001 when does it come off credit report?

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2014-08-28 19:05:27
2014-08-28 19:05:27

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,

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Related Questions



my chapter 7 bankruptcy discharged Jan 2002 when can i apply again


The judgment should be removed from your credit report 7 years from the date it was entered.


The bankruptcy petitioner can file another chapter 7 8 years after the date of filing of a previous chapter 7.


Any type of bankruptcy will remain on a credit report for the required ten years. As a matter of Public court records, it is available other ways too. Credit agencies just report the (hopefully accurate) history. They are basically free to do as they feel best suits their customers needs.....who may request background reports for any period of time they wish...and consider any items reported as important to their decision or not, as they wish.


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"



You file bankruptcy on all debts you owe. If you only owe money on credit cards you can file on them. Otherwise, if you owe money to a doctor, hospital, bank or other place you have to list them.


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.


The Abrams Report - 2001 was released on: USA: December 2001


Any type of bankruptcy will remain on a credit report for the required ten years. They frequently use the discharge date as the start date. As a matter of Public court records, it is available other ways too for just about forever. Credit agencies just report the (hopefully accurate) history. They are basically free to do and change their policies as they feel best suits their customers needs.....who may request background reports for any period of time they wish...and consider any items reported as important to their decision or not, as they wish.


The Abrams Report was created in 2001.


Pacific Gas and Electric filed for Chapter 11 bankruptcy in April 2001


Enron was filed for bankruptcy on December 2nd 2001


In 2001, Vlasic filed for Chapter 11 bankruptcy protection


The Robert MacNeil Report - 1975 2001-04-23 was released on: USA: 23 April 2001


The Robert MacNeil Report - 1975 2001-06-18 was released on: USA: 18 June 2001


The Robert MacNeil Report - 1975 2001-09-13 was released on: USA: 13 September 2001


The Robert MacNeil Report - 1975 2001-12-17 was released on: USA: 17 December 2001


Credit analysts in bank holding offices earned a mean annual salary of $30,250 in 2001


Bankruptcy is not part of financial planning. Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.


This Q has been asked and answered about a zillion times before....the answer remains the same...and would have been available to you immediately had you followed the Wiki system: Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.


Report of the Royal Commission on Genetic Modification was created in 2001.


There is no usual. Depends on the quality of the battery and if it was ever fully discharged. 3-4 years is normal. Each time the battery is fully discharged, the life of the battery is shortened.


The Abrams Report - 2001 2003-08-26 was released on: USA: 26 August 2003



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