Yes this question has been asked and answered thousands of times here. First, it makes no difference which State your in...credit reporting is universal. Credit reports are a private service...they simply report historical actions. If you were late on a payment, and it was reported, the fact that you paid it later, or had reason, whatever, makes no difference...they report history of what happened. They do not determine your credit ability, that is determined by the lender using (hopefullY accurate information. Credit reports are purchased by someone/thing for a fee and the request is made for certain standard formats...for certain things for certan periods. Standard reports cost less than custom ones..but custom ones are also available if the lender/reviewer wants to see them. (They can include things like criminal records, if wanted...it is just whatever research and information you want to pa for getting). Standarly, a credit report will include Bankrutpcy filings for the last 1o years (from discharge date). If a lender only cares about 5 years history, which costs less, then that is all they would order and all it would show. Bankrutocy, as a matter of a Federal Court process is a matter of public record, and available to anyone or service that cares to look for much longer than the 10 year standard.
No....10 years from discharge
No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.
It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.
Chapter 7 Bankruptcy will be removed from a credit report 10 years after the date the Bankruptcy was FILED.
A petition to have the lien removed can be made to the court. The bankruptcy discharge will not automatically cancel it out. I am assuming "nonsecure" refers to the creditor who holds the lien (such as a credit card debt). This is not a factor in whether or not the lien will or can be dismissed. Refer to the statutes of the state of residency, governing such actions.
No.
A Chapter 7 bankruptcy stays on your credit report for 10 years. Generally a Chapter 13 bankruptcy will be removed after 7 years, but can remain up to 10 years.
A Chapter 7 bankruptcy will remain on the credit report for the requrired ten (10) years. There are not options for having it expunged sooner.
No. Ten years from discharge. The record pf the filing and is actually available longer, as a public court record, should anyone care to look.
35 years old
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.