Comments on: How Long Does A Bankruptcy Filing Stay On Your Credit Report?

By: Michalene

Michalene — Sat, 13 Feb 2010 22:28:27 +0000

Refer to prior comment

By: Michalene

Michalene — Sat, 13 Feb 2010 22:27:13 +0000

My husband filed for a chaper seven bankruptcy because his children destroyed his finances. Nevertheless, life must go on and one must learn not to repeat the same mistake. It’s been seven years and the bankruptcy will remain until ten years. However, we both work and plan for the future by taking one step at a time and determine what is priority and we both monitor our own credit. In the past creditors would sneak behind our backs and try and place old accounts on our credit report. We fought very hard and long. Word of advice, keep all old documents to show what was paid in full. We had those documents and won. We are facing hard times and I ask everyone to not give up, don’t live above your means, take one day at a time and put all your troubles in God hands. Do not feed into companies who will say I will help you with your debt. You can do it by yourself. I have been using credit keepers for a long time and I use them to monitor my credit. I pay 9.99 a month and can check my credit whenever I chose to. I would advise everyone to do this. My credit use to be at 500 and now I have it 611. It was at 693 until I cosigned for my daughter for college and she missed three payments without telling me. However,she’s still my daughter. My point, work hard and believe in yourself and take one day at a time. I send out my prayers to everyone.

By: Brian

Brian — Mon, 25 Jan 2010 15:51:19 +0000

I filed for Chapter 13 in July 2001 and completed my plan in Sept 2005. I was never late once for a payment on anything since my day of filing. In September of 2008 I ran my credit report because when I tried to buy a car the dealer told me that my credit was shot. I was quite surprised to see my report, all 3 of my scores were under 450. I then joined Lexington Law to get the negative items removed (not knowing you can just do it yourself). For the first 6 months nothing happened, then old negative items started being removed pretty quick then they stopped at about 12 months.

They got the easy ones removed that I could have done myself but they do not put any effort into the ones that refuse to remove negative items. I have a credit union still reporting my Chapter 13 on an auto loan (now over 8yrs old) and a collection agency reporting a delinquency that they cannnot even substantiate that is over 8yrs old.

In short DO NOT USE Lexington Law. You will spend $900+ / year and they will do nothing for you that you cannot do yourself.

By: F L

F L — Tue, 12 Jan 2010 06:02:08 +0000

I have a discharged ch 7 from March 2002 can this bankruptcy be removed.
Thanks

By: JJ

JJ — Thu, 07 Jan 2010 16:35:13 +0000

Wait a minute, hold the phone. We just filed a Chapter 7 in Ohio and had our 341 meeting on 12/15/09

I ordered our credit reports from Tranunion and they came today 01/07/10

It states that our Chapter 7 will be removed from our reports in November of 2016 which is 7 years from the date of filing.

By: Kwatford

Kwatford — Sun, 08 Nov 2009 22:33:41 +0000

If you plan to file a dismissal, you need to motion the court before your case is closed to seal the record, otherwise you will have to pay to have the case re-open. That’s $200.00 in the State of Maryland, your State might be different.

By: glory hardy

glory hardy — Sat, 07 Nov 2009 18:42:38 +0000

i have a dismissed ch 13 that was filed in 2001 and a discharged ch 7 from 2002 can these bankruptcies be removed. please help

glory

By: Kwatford

Kwatford — Thu, 15 Oct 2009 05:29:31 +0000

Dear Friends,
It Hurts me to my heart to read paragraph after paragraph of each of us asking each other for help, fighting theses crooket crediting reporting agency when we have the power to change these senseless reporting ourselves. A dismissed bankruptcy has no right being on your credit report. Once a bankruptcy has been dismissed you and the creditor has the same right. Its not consider a bankruptcy until its confirmed, lets fight together to get this myth changed that a dismissed bankruptcy has to stay on your file for 7 or ten years. I invite anyone to show me the law that say it does, theres no law. The bueraus say and do whatever they want and all we do is follow and chat about it. Anyone who intrested in getting this myth changed. Email me and let me know that i can count on you and your support and changing this myth, because i’am working right now at 2:30 am in the morning to help change my life and yours, Email me at Kwatford@futranet.com and give me your support. Together we stand devided we will eventually fall. Ken

By: Mylie

Mylie — Fri, 02 Oct 2009 00:39:30 +0000

I have something to say about Lexington Law. I also warn you not to waste your money on this company. I tried them out for 2 long years and the end result not satisified. Three items was removed from my report but only for a limited time. months after it was removed, I don’t know how or why but it was placed back on my credit report so i wasted all this money!!! Don’t waste your money, I am warning you and you know that warnings come before destruction!!!

By: T. williams

T. williams — Tue, 22 Sep 2009 17:31:27 +0000

Went through the same thing you did. You can do your own filing and it only cost the filing fee. Also, read Phillipians 4:6!

By: VKB

VKB — Thu, 03 Sep 2009 07:29:15 +0000

I’ve owed about $32,000 in credit card debts and I’ve held no job right now. I want to file for bankruptcy so the creditors won’t go after me. But I have no $$$ to do so. I don’t know what to do now so I decide to leave it hanging by not paying and not filing for bankruptcy at the same time. I’ve hit the rock bottom right now and I do not see any light to my future. I don’t know if I can live til next week, so I have nothing to lose now.

By: Carmen

Carmen — Wed, 22 Jul 2009 18:37:32 +0000

I owe 6,000 in credit debt and i just lost my condo to forclosure and I just got served for not paying 4,000 in association dues. I was going to go with a consolidation credit card company to pay off the 6,000 but, i got served now i don’t know what to do????

By: Sheila

Sheila — Sun, 12 Jul 2009 11:29:47 +0000

I need some help advice pls… I just got paper lawsuit against me.. I owe 2,000 on credit card. I couldnt afford it cuz I have SSI. My mother messed it up my credit. If I filed bankcruptcy, How many years to get credit score back to normal and able to get bank account? If I filed bankcruptcy I dont wanna wait 7 or 10 years to have my credit back to normal.. What options do I have ? Please help me. Thanks

Which should I do:

1. Filed bankcruptcy

2. Pay debt instead filed bankcruptcy

By: Pierce

Pierce — Thu, 07 May 2009 14:24:38 +0000

We all seem to be sucked into this numbers game, Do what you have to do to get up on your feet again , Then dont buy anything unless We have the money for it,Lets show them we dont need there numbers anymore,Eat,work ,sleep,SAVE.

By: Nivia Says

Nivia Says — Thu, 19 Mar 2009 16:24:20 +0000

It has been almost 4 years since i filed chapter 11. How long can a debtor may report on your credit report? I have creditor’s on my credit report that i haven’t dealt with but somehow have to do with the previous debtor. What can I do? Any suggestons?