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โˆ™ 2006-03-15 02:04:42
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Q: If a chapter 13 is dismissed does it still stay on your credit report for 7 years?
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If you filed chapter 13 and had it dismissed and paid of the debt is there any way to get it off of your credit report?

No. Filing a bankruptcy creates a public record that does not go away because you did not complete the bankruptcy. - once you file and get a case number you have filed for bankruptcy. if you didn't follow through and it got dismissed is regardless. you still filed for bankruptcy and it will still be on your credit report.


If you had a bankruptcy removed from your credit report would you still be able to challenge that dispute in the same manner after 6 years?

A dismissed chapter 13 remains on a credit report for 7 years. A dismissed chapter 7 or 11 remains for 10 years. A discharged chapter 7 or 13 or 11 remains for 10 years. If the date for the dismissal or discharge exceeds any of the above time limits then the consumer should contact the credit bureaus by written correspondence requesting the entry be expunged.


If an account was included in a Ch 7 bankruptcy can the account's history of late payments still be listed on the credit report?

Yes, your payment history will still be a part of your credit report as well as the Chapter 7.


What do you do if a dismissed chapter 13 bankruptcy is still showing on your credit report after 7 years?

Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.


How do credit entries appear on your credit report after a chapter 7 is discharged and do they disappear from the report or show as 0 balance and indicate their inclusion in a bankruptcy?

The still stay on your credit report the normal length of time for negative credit entries (7 years). After the discharge, they might still show a balance but should also make not of being included in the bankruptcy.


If a credit card is not activated does it still reflect on your credit report?

Yes. If they extend the line of credit to you, and you do not activate it, it will still show up on your credit report.


Is there still a past due amount on your credit report after foreclosure?

The foreclosure will be on your credit report indefinitely.


If your felony case is dismissed after completing probation what does that mean in detail?

It means your case is dismissed. Your case will still show up on your background report. I got my felony case expunged, but it still shows on my background as dismissed.


How long after a chapter 13 has been discharged can you apply for credit?

Between five (5) and six (6) years, depending on how long it took to discharge the chapter 13 bankruptcy. Generally a total of ten (10) years after the bankruptcy appears on your credit report is required before applying for prime credit. The average chapter 13 takes 4-5 years to be discharged, leaving about 5 years of having the bankruptcy still on your credit report.


Can bankruptcy be removed from your credit report if you filed for Chapter 7 but did not complete the proceedings?

No. A bankruptcy becomes a public record as soon as it is filed. Its the same as any other type of lawsuit. Even if they are dismissed, they will still show up when searching for your name. The fact that a bankruptcy was not completed does not negate the fact that it was filed.


You filed chapter 7 bankruptcy 3012002 it still remains on your credit report can you have this removed because it has been seven years?

No....10 years from discharge


If you filed Chapter 7 and your credit report indicates a charge off of 11720 can they still try to collect the sum even if Chapter 7 was filed?

it will show the balance & the bankruptcy followed there after.so the answer is NO. GOOD LUCK


If you file for chapter 7 bankruptcy and have no assets will it still affect you later?

Yes, a Chapter 7 bankruptcy is a Chapter 7 bankruptcy. The exact details are irrelevant, it will remain on your credit report and prevent you from refiling for the same length of time either way.


If a credit card company says you owe them money but it is not on your credit report do you have to pay?

If it isn't on your credit report, the credit card company still has hopes of you paying it off. When they see that isn't going to happen, you can bet your butt that it WILL be on your credit report.


1099 c is received and the debt is cancelled Does it still remain on your credit report?

If 1099 c is received and the debt is cancelled means that it still remains on your credit report.


If you filed a Chapter 13 in June 1998 why is it still on your credit report?

Bankruptcy filings may legally remain on a credit report for 10 years. However, it is customary for Chapter 13 bankruptcies to be shielded from view after 7 years. Since your filing is past that ordinary time-frame; you could write a letter of dispute to the bureaus requesting its' removal.


If a chapter 13 bankruptcy was voluntarily dismissed not discharged can it be removed from your credit file?

You can't get it removed. It is a public record. If you file a bankruptcy and get it voluntarily dismissed the next day, it will still be on your credit report. Also, by the way, not paying into a Chapter 13 plan is not a voluntary dismissal. The Trustee moved to have the bankruptcy dismissed. - The easier approach would have been to actually voluntarily have it dismissed. Regarding Nate's posting, I agree that non-payment of a Chapter 13 normally results in the trustee moving to dismiss your case, which is an involuntary dismissal. I have no idea if whether a Chapter 13 is voluntarily or involuntarily dismissed affects your credit rating differently (probably not, credit reporting agencies barely seem to recognize the difference between Chapter 7's and Chapter 13's, much less the way in which any particular case is dismissed), but there can be a big difference to the debtor whether a case is involuntarily or voluntarily dismissed if a creditor has moved to get property back. Once a creditor asks the court for permission to get back some property (such as a car or home), which they do by filing a Motion for Relief from Stay, then if you voluntarily dismiss your case you are barred from re-filing a new Chapter 13 for 180 days. This 180 days may be enough time for the creditor to foreclose/repo and sell the property. Once a creditor moves to repo/foreclose in a Chapter 13, many people prefer to be involuntarily dismissed so they can re-file a new Chapter 13 immediately and get protection again before the creditor sells the collateral. Please keep in mind this is not legal advice but simply a statement of what many people do in that situation from my perspective. So, while Nate (in the posting above) said it is easier to voluntarily dismiss, that does not mean it is always better to voluntarily dismiss, depending on the circumstances.


How long does a bankruptcy stay on your credit report?

A Chapter 7 bankruptcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 years also, but it is customary for those to be removed after 7 years.Here is more specific advice and input from various contributors:All discharged bankruptcies whether a state or federal filing remain on a CR for 10 years. A dismissed chapter 13 remains for 7 years from date filed, a dismissed chapter 7 remains for 10 years from date filed.Chapt.7-11-12 will remain for ten years. A chapter 13 will remain for seven years from date filed if successfully completed, for 10 years from date filed if dismissed.Ten (10) years from date filed for a discharged chapter 7 or 13. Seven (7) years from date filed for a dismissed chapter 13, ten (10) years for a dismissed chapter 7.Although it is true that the federal Fair Credit Reporting Act does provide that bankruptcy entries will remain for 10 years, there are some creditors that will only leave a chapter 13 bankruptcy on your record for 7, rather than 10 years. They do this to encourage people to pay part of their debts rather than discharge it all under a chapter 7. More importantly, the effect of bankruptcy on one's ability to get credit is vastly overstated. The key to getting the credit you need has far more to do with the amount of present income you have rather than any negatives on your credit report. In short, if you have good present income, the creditors will look past your credit report to your wallet in the sense that it is possible, even with a bankruptcy on one's record, to get credit for cars and new credit cards as soon as you are discharged in a chapter 7 (about four months after you file), and after a year or so, you can even get a mortgage on a house. They may not give you the best rate, but if you have good present income, even a person with a bankruptcy on their record can get the credit they want in almost all cases.You will not qualify for a FHA until a chapter 7 has be discharged for 2 years. A chapter 13, you will only have to wait a minimum of 1 year from filing date.Seven years in AustraliaDetails of a bankruptcy order in the UK will stay on your credit file for 6 years.7 to 10 years depending on the state you live in. Most lenders will consider loans after 2 years. If information is still on you credit history after this time frame you need to dispute with all three major credit bureau agencies.


Its been 19 years and something is still on credit report?

If it has been 19 years and something is still showing on a credit report, you can request to have it removed. Contact the three credit reporting bureaus and ask all of them to remove it for you.


Your credit report shows a collection with a DLA of 0502 is this still valid?

If you are responsible for that item, then, yes, it can stay on your credit report--probably indefinitely.


What should you do to get paid collections off your credit report?

If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.


If a bankruptcy was discharged in 1993 does it automatically come off of your credit report and how long after What if it's still on your report?

Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.


If you have good credit history with some credit cards will they still show that on your credit report and that you paid on time after filing chapter 7?

It depend on the individual credit card companies if they report on your credit history or not, like some department store credit cards may not show on a credit report


Is ones debt completely gone when it is removed from credit report record?

It may not be, records on your credit report can expire and disapear but the debt still needs to be repaid


What are the laws pertaining to a credit reporting agency still reporting after a bankruptcy discharge?

Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.