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How soon will a bankruptcy discharge show on a credit report?
The bankruptcy itself will show up on reports very soon after it is FILED. The discharge itself is not reported, just the public record of the bankruptcy itself.
How do you get addresses for credit cards for bankruptcy?
Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.
How long after bankruptcy should one wait to apply for a new credit card?
It is best to first clean up your credit reports after the bankrutpcy before applying for new credit. Wait at least 3 months after discharge to start cleaning up any inaccuracies on your reports. You can apply for credit the day after your discharge, but your success rate will not be very good and the interest rate you pay will be very high.
When you file chapter 7 bankruptcy do they check your credit reports?
yes, it will remain on your credit reports for 7 years
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
How soon will a bankruptcy discharge show on a credit report?
The bankruptcy itself will show up on reports very soon after it is FILED. The discharge itself is not reported, just the public record of the bankruptcy itself.
How do creditors report your bankruptcy discharge?
The creditor reports to the credit reporting bureau(s) they belong to that the debt has been listed in a bankruptcy in which a discharge has been granted. Strictly speaking, any debt that a creditor does not challenge in timely fashion is probably discharged, unless the debtor has committed fraud during the bankruptcy. The court does not specifically determine that a debt is discharged unless an adversarial action involving the discharge of that debt has been heard and a decision by the court has been made.
How many years will a Chapter 7 bankruptcy show on your credit report?
AnswerPrior to actually filing for bankruptcy, the amount of time to prepare the paperwork will vary dependingg on the complexity of your case. Once you have filed a Chapter 7, you will probably receive your discharge in about 3.5 to 4 months. After you file, you will attend a meeting of creditors in about 4-6 weeks where you will answer questions by the bankruptcy trustee and possibly creditors. You are eligible to receive a dishcharge 60 days after the conclusion of the meeting of creditors unless one of your creditors files legal action to try to prevent you from receiving a discharge. By day 62 or 63, the bankrupty court should mail you a copy of the discharge order in the mailUsually when filing bankruptcy takes time to process.It is long proces when filign bankruptcy. Once you filed bankruptcy already then you should wait normally 8 to 10 years before you can file again.
When filing bankruptcy what do you do with creditors that 'drop off' your credit reports before you file?
Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.
How long before chapter 7 drop all your creditors?
10 years from discharge for most credit reports...as a mater of federal court record it is availale for those that look for much longer.
How do you get addresses for credit cards for bankruptcy?
Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.
Are creditors required to remove debts from credit reports if filed under bankruptcy 7?
Assuming that you properly listed the debt in your bankruptcy, the creditor should report the balance owed as zero and it should also correct your credit report to show that the debt was discharged in bankruptcy. You should send a certified, return receipt letter (keep a copy) to the credit card company and enclose a copy of your discharge. Demand that they correct this entry on your credit report. If they fail to do so, contact a local bankruptcy attorney for further assistance. Failing to correct a credit report can be a violation of the discharge order and the bankruptcy court could order the creditor to pay you damages if they fail to correct the error. You should also write a dispute to the three credit reporters: Experian, TransUnion and Equifax, and have them insert it in your report, i.e. "This debt was discharged in bankruptcy on _____ (date)."
How long after bankruptcy should one wait to apply for a new credit card?
It is best to first clean up your credit reports after the bankrutpcy before applying for new credit. Wait at least 3 months after discharge to start cleaning up any inaccuracies on your reports. You can apply for credit the day after your discharge, but your success rate will not be very good and the interest rate you pay will be very high.
When you file chapter 7 bankruptcy do they check your credit reports?
yes, it will remain on your credit reports for 7 years
When does the bankruptcy get reported to the credit bureau Is it a filing or discharged I'm currently awaiting discharge from Chapt 13 after 4yrs in plan but it doesn't appear on my report?
It is supposed to be reported when you file. You can order all 3 of your credit reports from freecreditreport.com for no charge and contact all of them with your bankruptcy information. You need to have the lawyer who filed for you get on top of reporting this though. You should not have to.
You can not find the account number of a creditor how do you list them for in your bankruptcy?
You should not file bankruptcy without first getting a copy of all three credit reporting bureaus' credit reports (one free each year: www.annualcreditreports.com). You will have at least part of if not the whole account number for each account. If it is partial, there will be a phone number to call where you can get the full information. You also get the correct up to date address for the creditors.
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
