Question When is BK 13 removed from credit history

[Carmella]

We filed 3/30/18. I don't remember when the first payment was made, maybe in April 2018, I know we made payments before it was confirmed.

Does this mean after 7 yrs the BK will not be on the credit report? Would that be around April of 2025 ?

Does it totally disappear, no mention of it? Do former creditors no longer appear or not have a notation of paid during BK 13 (or something similar)?

[justbroke]

Please see my sticky note Credit Bureau Early Exclusion.

Here's a general response to your question.

• The last credit bureau will be Equifax (EQ) and it will fall off about 2/1/2025. Just wait for this. Do not touch!
• Transunion (TU) allows early exclusion and you should be able to TODAY dispute and have it removed within an hour. TU allows early exclusion 6 months before the 7 years, so that 6 month date would be 9/1/2024. They may have already removed it!
• Experian (EX) will automatically stop reporting after 12/1/2024 since they have a 3 month exclusion period.

There will be no mention of it as a public record. However, you may have some lingering accounts that were "included in (the) bankruptcy" (IIB) and they will have traces of the bankruptcy. The notation on those accounts would be IIB. I might want to dispute them, based on my schedule I listed in my sticky note. I say "might" because the old accounts may be helping your average age of accounts.

[Carmella]

Thanks justbroke I haven't checked my credit report in a few months. I will follow up on these probably in December or January. I want to keep an eye on the credit score and get more serious about rebuilding my credit and my husband's credit in case we end up moving and renting. That won't happen until at least 3 yrs from now. Plenty of time to build up credit. I haven't been too vigilant at this point, but once the BK drops off I will make it a priority. It's exciting because it really puts the BK behind us. I can't believe just over 2 yrs have passed since we were discharged.