As my BK closes, how long does it take for the Credit reporting agencies to get the discharge on the credit report and does the fact that it is discharged change the score? I have had a very hard time renting an apartment with an "open" Ch 13. They will take Ch 7 BK people and rent to them, as the thought is the apartment complex cannot be added to the closed BK and mine is "open".. a letter from my attorney did help get me an apartment...my lease ends in November and it is not the best place for me to be living in and I want to move...I could show them my paperwork saying it is closed, but unless it is on the credit report, they will not process my application, so I am looking for a time frame, if known for the credit reports to reflect the status of the BK ..Thanks
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I don't have personal experience with a Chapter 13 discharge, even though I filed a Chapter 13, my Chapter 7 discharge was entered on a Monday and the credit reports had the discharge date within 72 hours. You should also be able to give them a certified copy of the discharge order since it's better than the credit report
. I applied for and obtained an apartment from a national management company within 7 days of my discharge in 2010. I believe my credit score jumped to 660 when I was discharged, but don't quote me since that was over 5 years ago.
Remember, time heals all wounds, especially credit wounds. As you get towards the 2-year post-discharge date, you will see slight improvements with the largest coming at year 2. After the 2 year mark, you "may" get some slow incremental change, but nothing will be more a factor than paying on time, not applying for new credit, and the bankruptcy finally falling off your credit report!Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt. -
Mine showed up within a week to 10 days. I also went on Pacer & took a copy of my discharge paper for my own records until I got the original in the mail. My score didn't really change at all... I am @ 690ish 2 months out...Those who live in glass houses should not throw stones
Chapter 13 filed 10-21-09
Discharged 4-13-15
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Wow your score didn't change??? I thought it would! ;-(. I guess you have to use credit?Discharge date: October 2017 (will it ever get here?)
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