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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?

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2009-07-13 07:32:16
2009-07-13 07:32:16

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

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Bankruptcies are a matter of public record and this is why they appear in credit histories. A Chapter 13 listing will remain on your credit report for seven years from the filing date and a Chapter 7 will remain on the credit report for 10 years from the filing date. The credit report entry will state the bankruptcy was filed and dismissed, not discharged.


No, in fact it will leave a Bankruptcy record on your credit report for 10 years.



One day. You can apply any time. However, your chapter 13 stays on your credit report for 10 years.



can you stop wage garnishment from your wages if you file bankruptcy


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


Though legally it can be reported for up to 10 years after filing, most credit bureaus remove Chapter 13s after 7 years.


It will approximately take Ten years from the date of original filing of bankruptcy.


A chapter 7 bankruptcy filing remains on your credit report for 10 years. Chapter 13 bankruptcy remains for seven years. Under chapter 13 bankruptcy you repay at least a portion of the debt, so it is removed a little sooner.


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


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.


The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.


Yes. That reporting to a credit agency of an item of fact, is not an attempt to collect the debt. Your not expecting you mortgage debt to be discharged are you?


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!


Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


No. What will happen is all the defaulted accounts listed in the bankruptcy will be marked as such.."included in bankruptcy". The credit history, late payments, judgments, etc. will remain the same. In addition to the scenario in the above answer: The bankruptcy filing itself will be listed in the "public records" portion of your credit report. The disposition needs to be listed also (the discharge). The "bad marks" (i.e., the accounts) will show on your credit for 7 years. The bankruptcy listing will show for 7 years for a completed and discharged Chapter 13 bankruptcy and 10 years for a discharged Chapter 7.


unless the judgment is for damages from: intentional tort, fraud, drunk driving, spouse/child support, they yes your judgment will be discharged


In the United States, any institution that extends to you some form of credit can report to the credit bureaus.


They go by when it was filed--not discharged. Legally, the answer is 10 years from filing; however, some credit bureaus remove Chapter 13 after 7 years.


It will only affect the non-filing spouse if the couple apply for some type of joint credit, such as a home mortgage. It will not affect the new spouse's credit report/score.


Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.


Chapter 7 will stay on your credit report for 10 years from the date bankruptcy was filed. Chapter 13 typically stays on your credit report for 7 years from the date the bankruptcy was filed, however, can remain on your credit report for 10 years.



No, a BK does NOT remove negative items in credit reports.



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