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If you filed bankruptcy July 2002 how long will it be on your credit report?
Wiki User
∙ 15y ago
10 years
Wiki User
∙ 15y ago
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You filed in 2002 for chapter 7 when will it be discharged?
The bankruptcy is not discharged. Your debt obligation is discharged. The discharge notice usually is mailed to you about 6 weeks after the 341 meeting. The filing of bankruptcy will stay on your credit report for 10 years from the date of filing.
If you filed Chapter 7 bankruptcy in 1998 can a creditor still report you as being 120 days late in 2002?
After 1998, the only new information that the creditor should be reporting is that the debt was included in the bankruptcy. The debt is nearly 7 years old anyway and should drop off your credit report by the end of 2005. Visit the website for the Federal Trade Commision and you will see they they have very helpful information on how to dispute items like this on your credit report.
If you filed for chapter 7 bankruptcy in 2002 how long does it stay on your credit report in California?
Filing for bankruptcy can have a lasting effect on your credit and that can cause some difficulties in getting any type of credit. Unfortunately, bankruptcy stays on your credit report for 7-10 years, after which time it is on your to work to get credit back!
How will a current mortgage loan since 1998 be reported now on your credit report when you filed chapter 7 bankruptcy in 2002?
Shouldnt be an issue as long as it wasnt included in bk. and is current(no lates). You can get a free credit report and check yourself to be sure and if something doesnt look right contact your mtg. holder for an explaination.The site for this is located at annualcreditreport.com . This is the only real free site.
In what year did WorldCom file for bankruptcy?
WorldCom filed for bankruptcy in 2002. At the time, it was the largest bankruptcy ever, with $107 billion in assets. This almost twice as much as that of Enron Corp.
Filed bankruptcy April 2002 discharged September 2002 is there a way you can get it removed in 7 years instead of 10?
No. But if you've been handling your credit and other obligations well over the period, it will begin to not be considered too important. And even when it falls off after 10 years...it isn't actually removed...it is always available....but the "standard" credit reports only include these items of record for 10 years...so it just becomes too old for that report.
On January 21 2002 this corporation was named overall retailer of the year by the newspaper association of America on January 22 2002 it filed for bankruptcy what is it?
Kmart
If you filed bankruptcy in Dec of 2004 can you get your refund that has already been taken for 2002?
No, the IRS will get to keep it. And, even if you could get it back, the bankruptcy trustee would probably take it to distribute to your creditors.
Chapter 7 filed in 2002 stays how long on credit report?
BK, as a matter of Federal Court records, is available almost indefinately. Virtually all credit reports from the major credit agencies will report it for 10 years from discharge, in their normal format. As information services, a longer, or shorter, time period may be requested and provided, depending on what the requester wants to pay for.
Your bankruptcy was discharged in 2002 how long does it stay on your credit report?
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.
If you have filed Chapter 7 Bankruptcy and got a discharge on it almost 4 yrs ago why is it affecting your credit score and how can you get help clearing your credit report to get a car financed at a?
GOOD LUCK!!!! MY HUSBAND AND I FILED IN 2002 AFTER LOSING TWO GREAT JOBS TO PLANT CLOSINGS,WENT FROM $80.000 DOWN TO $30.000 A YEAR.WHAT DO YOU DO WHEN YOU HAVE A BIG MORTGAGE,2 CAR PMYS,CHILDREN,CREDIT CARD BILLS AND OTHER BILLS,BILLS,BILLS.BUT AS FAR AS GETTING A LOAN WE HAVE BEEN TURNED DOWN FOR MANY LOANS,3 CAR LOANS....2 FURNITURE STORE CREDIT TURN DOWNS AND A HAND FULL OF OTHER LOANS WE HAVE TRIED TO GET..........THEY REALLY FROWN UPON PEOPLE WHO FILE BANKRUPTCY......AND YOU KNOW WHAT I WOULD LIKE TO SAY TO THOSE LUCKY PEOPLE----I HOPE FOR THEIR SAKE THEY NEVER LOSE THEIR GOOD PAYING JOBS LIKE MY HUSBAND AND I DID. WAITING 7 YEARS,DIANE
Can a charge off from 2002 be reported in the in the payment history for May 2008?
Yes, a charge-off may remain on your credit report for 7 years. Any collection agency that owns that debt may also remain on your credit report up until the original charge-off drops off after the 7 year period. If you have a credit card charged-off in August 2002, it can remain on your credit report until June 2009.
