Discharged!!! A few final questions...

[Kelli]

YIPPPPPEEEEEE, we have been discharged - received our papers, and I see it noted on PACER too! Three long, very difficult and stressful years of making our chapter 13 payments... finaly HISTORY! YAY!!!
Now that it has FINALLY happened, I have a few final questions. How soon should I see the discharge noted on our credit report? (I'm in NY, if that makes a difference.) I know that I'll need to get copies of our report to make sure everything looks as it should, but I don't want to bother getting them before the discharge will be noted.

Also, I know that the chapter 13 will show up on our credit report for x number of years (I've usually heard either 7 or 10, I think the 10 is correct). What happens after that amount of time - is it removed from our report completely, so that future creditors will not be able to tell that we ever went through a bankruptcy? Or will they still see it there, but not take it into account after that length of time has passed?

Thanks for any info you can offer!

[laz]

Congratulations!

I think the discharge will be noted on your credit report within 2 weeks. You should order your credit report from all three CRAs and make sure all the right accounts are marked "included in bankruptcy". If you see errors, you should dispute them all.

[Kelli]

Thanks very much, Lazar!