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Posted in Bankruptcy
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Question By
Kgpach

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How long does it take for a bankruptcy chapter 7 to come off your credit

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bankruptcy chapter 7

Helpful to 13 out of 14 people

It normally takes 10 years before your bankruptcy falls off your credit report

Reply by
samson11658

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Helpful to 9 out of 11 people

Enter Your Reply  I'm on 11 years now and it's still on my credit report

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Bankruptcy

Helpful to 14 out of 18 people

My ex-husband and I filed bankruptcy in 2004. He has had no problems being denied credit (bought house bought 3 cars) but my bankruptcy is hindering me everytime I go to purchase anything WHY?

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Best answer:

Helpful to 10 out of 10 people

Under FCRA, in general terms, a bankruptcy is supposed to be removed at 10 years.  Collections are supposed to come off at 7 years unless a court judgement put them there, which falls under the 10 year catagory.  The credit bureays can remove these issues sooner if they wish, but will generally choose the 7/10 year limit.  You should contact the bureau(s) still reporting this information past the statutory limitation and ask that these entries be removed.  It can take up to 90 days to "show" on your bureau, but is generally 30 to 45 days.

Items like judgements and bankruptcies are not reported to the bureaus by the involved jurisdiction; rather, they are pro-actively sought out by the credit reporting agencies and reported.

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Helpful to 9 out of 9 people

Ten years.

Reply by
samson11658

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Helpful to 3 out of 5 people

Enter Your Reply I'm on 11 years now and it's still on

Reply by
edubya90

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Helpful to 4 out of 8 people

We filed in '09 but I don't remember if it was chapter 7 or 13. I thought it was whichever was the lesser of the two evils and therefore it would drop off sooner. Needless to say, it still haunts me to this day. So are both 7 and 13 ten long years?

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Bankruptcy

Helpful to 8 out of 9 people

Its time for mine to come off and eas paid off 5 yrs ago. What do i need to do to get it off?

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Helpful to 4 out of 5 people

If it has been 10 years since your discharged you can contact the credit card companies and file a dispute and provide proof that the ten year is up and they should take it off

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whento appy for Chapter 7

Helpful to 2 out of 3 people

when dp I appl for chapter 7 as Ihave may many medical bills

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Bankruptcy Chap7

Helpful to 2 out of 3 people

Takes 8 years to come off your report

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increse the score

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How can I increase the score

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if  no mistake it take 7 years.

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