What will fall off??

[magyar123]

It has been said that a bankruptcy filing will stay on a credit report for ten years.
Exactly what - the Public Record part of it, or all the individual creditors' comments?

[nc73]

It has been said that a bankruptcy filing will stay on a credit report for ten years.
Exactly what - the Public Record part of it, or all the individual creditors' comments?

I thought it was public record and everything else. My sister works at a bank and she says they can go beyond 7 or 10 years. It never really gets erased. It will not show up if you pull one for yourself though. If a bank pulls it up they see older debts. This is all negatives in general not just bankruptcy.

[jennordhavn]

It has been said that a bankruptcy filing will stay on a credit report for ten years.
Exactly what - the Public Record part of it, or all the individual creditors' comments?

The bankruptcy public record should fall off after 10 years. Each individual account should still fall off after 7 years from date of delinquency.

[magyar123]

The bankruptcy public record should fall off after 10 years. Each individual account should still fall off after 7 years from date of delinquency.

Thank you. Then I have a major dispute issue with Equifax. Their report - in the Public Record segment has my date of filing, July 9, 2004, and discharged October 21, 2004 - correct. BUT each creditor, 10 of them, shows as being reported February 2006.

[lrprn]

Actually a successfully completed Ch 13 often falls off the credit record seven years after filing. A dismissed Ch 13 and successful and dismissed Ch 7s are supposed to fall off the credit record ten years after filing. Interestingly enough though, the three credit agencies often remove all bk filings after 7 years. Go figure.