Filed Chap. 7 Bankruptcy had my 341 meeting April 25th...I reaffirmed my car debt..How far back do the credit bureaus have the right to show your payment history. I have heard 2 yrs and also 4 yrs...Any help would be greatly appreciated..
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According to Credit Report Facts at http://www.creditrepairsite.com/creditreportsFAQs.html , here are the reporting rules set forth by the Fair Credit Reporting Act (FCRA):Originally posted by wbp1968 View Post
1. Most negative items must be taken off in no more than seven years.
2. Ch 7 bankruptcies can be reported in up to ten years, Ch 13 for seven years.
3. Inquiries may remain on the credit report for up to two years.
HTH!I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
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