How long after a bankruptcy is discharged (finalized) does your credit report reflect that?
Mar 24, 2009
in
Bankruptcy
ariel_okinawa asked:
In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?
In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?
Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.
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7 comments
Just M on March 26, 2009 at 12:07 am
Good question ………..i read it takes time , didn’t say exactly how long ……………..order a credit report ……it’s free .
BourbonDemon on March 27, 2009 at 2:45 pm
It should never take more than 60 days, if it does contact the credit bureaus first and if you don’t get it resolved that way then call your bankruptcy attorney.
Freddie on March 28, 2009 at 12:48 am
Not any time soon. The bankruptcy itself as a public record will be on your credit report for 10 years. In general, debts will stay on your credit report for 7 years. I believe the credit report may reflect that the account was included in your bankruptcy eventually.
walter c on March 29, 2009 at 2:07 am
IT use to be 7 years!!!! With all the changes in the LAWS I draw A blank..
I due know that the CREDIT companys will be sending you A LOT of APPS for new cards after
ETC. Once the dis charge goers through so BE
AWARE…
ardeare on March 31, 2009 at 4:30 am
usually within 30 days. However, you will want to get a copy of your credit report and make sure. Also, you will need to contact all 3 credit agencies because I can guarantee you that there are things in the bk that will still show delinquent on the report. It is important that you make sure everything says “included in bankruptcy” because it reflects dramatically on your credit score if you do not.
The right answer on March 31, 2009 at 12:54 pm
Here is article that will explain this.
DAS on April 3, 2009 at 10:17 pm
It doesn’t matter that your bk has been discharged, it will still show on your report, if not now, very soon, and it will stay on your report for at least 7 years from the date of last activity.
Please get a book on bk, credit, credit reports, money and credit etc, and it will give you valuable information on credit and money. You can also get a credit conselor/agency to help you, or assist you in deleting some of the negative information. Just do your research and find a reputable company.
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