A CHAPTER 7 BANKRUPTCY TAKES 10 YEARS BEFORE THIS IS REMOVED OFF OF YOUR credit report. THE GOOD NEWS THIS DOES NOT AFFECT YOUR CREDIT ANY LONGER! *********************
I filed Chapter 7 in 2003 and depending on what your state court's definition of "dismissed" is it CAN affect your credit. For instance, some courts definition of "dismissed" is the same as "discharged." In Ohio it is "discharged" and I no longer owe any debt, however it DID IN FACT AFFECT MY CREDIT. I can NO LONGER get any. I received denial letters stating the reason for being denied, "Bankruptcy." So do your homework according to your state.
Yes. I tried to remove a dismissed bankruptcy from my credit report. All agencys were contacted and so was the FTC. They said they had a legal right to keep the Bankruptcy dismissal information on the bureaus files.
No, it will remain for seven years.
A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years
You can't get it removed. It will stay on there for 10 years and that is just a consequence of filing for bankruptcy. You can write to the credit reporting agencies to have the entry changed to reflet that it has been dismissed.
You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.
The answer is yes -- Chapter 13s are removed after 7 years in a credit file
Yes. I tried to remove a dismissed bankruptcy from my credit report. All agencys were contacted and so was the FTC. They said they had a legal right to keep the Bankruptcy dismissal information on the bureaus files.
No, it will remain for seven years.
Collections can be disputed to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or the listing must be removed from your credit report.
Judgments will stay on your credit report for up to 7 years whether paid or not. You can dispute your judgments to the credit bureaus by sending dispute letters to each of the credit bureaus. The credit bureaus will have to investigate the items and if they are paid they have a greater chance of being removed.
If the bankruptcy was removed from your credit report, you may not be able to challenge it as a dispute in the same manner after 6 years. The information should no longer be present on your report if it was successfully removed, so there would be nothing to dispute. It's important to regularly check your credit report to verify that the bankruptcy has been properly removed.
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years
You can't get it removed. It will stay on there for 10 years and that is just a consequence of filing for bankruptcy. You can write to the credit reporting agencies to have the entry changed to reflet that it has been dismissed.
You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.
A Chapter seven will remain on the credit report for ten years. You can always request, legally or informally. But the law states that bankruptcy may remain on your credit report for 10 years from the date of filing. The time limit is strictly adhered to by the credit bureaus for Chapter 7 bankruptcies. The bureaus are much more flexible with Chapter 13. These can, by law, remain for 10 years. But it is customary for them to be shielded from view after 7.
Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.