koalafamily2
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7-10 years, depending on which state you live in. California is 10 years. |
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Cynthia
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Found this, question no. 7:
How long will information stay in the report?
Your open accounts that are in good standing will remain on your credit report indefinitely. Inquires remain on the report for up to two years. By law, negative information must be removed after seven years. The exception is bankruptcies, which remain for 10 years after the date of filing, even if dismissed or discharged. Chapter 13 bankruptcies remain for seven years. |
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professor_not_Mr.Howell
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It's a full ten years. Believe it. The good news is that you can get your credit up to par within two. Good enough to purchase a car at least. |
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starbright2
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It does take 10 years. But it is possible to have it removed before this time. It takes alot of work on your part. If you want to research this, visit the site below enter into their bankruptcy forum. |
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'Barn
|
10-years. |
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jerry h music
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10 years |
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Turtle
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7-10 years |
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Sigrid
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they just changed the law again in June...its 7-10 years now! |
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hazel eyes
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7 to 10 years |
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djs
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7- 10 years .However starting over is very appealing to creditors. You will have no problem getting loans |
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badbad_80
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7 to 10 years can stay 10 years |
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John Paul
|
. My thinking is seven years. However you can do good credit building things. Prepaid credit card tied to a bank account you cannot spend more than you have...Good payment history. Buy a house... drastic but house payments go a long way to stability. Credit worthiness financial trust has to be built back up. |
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hotmama
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7- 10 years. but my parents did it 5 years ago and they just bought a new truck and a eighteen wheeler. they had alot of hospital bills. depends on which state you live in. some states have bankrupt forgivness. |
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romanov1918
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seven years....its actually a discharged bankruptcy that will show on your report.....but in a short time you will get credit offers again that will help you to rebuild your credit. |
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Melissa P
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Any sort of blemish takes seven years to remove itself from your credit report. |
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beans73
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It takes 7 yrs. Good credit is hard to establish afterwards so use it wisely. Speaking from experience. |
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Luci
|
7-10 years |
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Teresa O
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it takes 10 years, Chapter 13 takes 7. It doesn't mean you can't get credit right away but you'll pay high interest on your credit cards. There are credit card companies that know you can't file bankruptcy again for a long time, so they can actually come after you if you don't pay, and you have no protection so don't get any more than one or two credit cards. |
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wangarific
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Minimum of 7, they can report it as long as 10 years after though. |
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PRINCEZZ
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10 years I believe |
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Jessie
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7 years |
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Jamestheflame
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Bankruptcies stay in your report 10 years after discharge. |
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memi
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it took me from 6to7 years to get it off |
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amglo1
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10 years but your ability to get loans and better interest rates will improve after 2-3 years if you keep current on your bills. Things will get better as time goes by. |
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Earl D
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5 to 10 years for most credit reporting agencies. Bank loan people and mortgage bankers sometimes find reports as old as 20 years! |
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Shadow
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10 years. |
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rhino_man420
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they are all wrong, you can build your credit faster by getting some debts and paying them on time. |
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thischicky4u
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what everyone else said |
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gerry22122
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IT TAKES 7 YEARS !! BUT IN SOME CASES IT IS CLEARED EARLIER |
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littleangelfire81
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Chapter 7 stays for 10 years. I think the confusion is coming about b/c Chapter 13 stays for 7 years. The reason for the shorter length of time with a chapter 13 is that in the 13, the debtor works with the companies to try and pay back some or all of the debt. |
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sha scrilla
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That question deserves to be a Featured Question! I don't have a clue about an answer though sorry |
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