I haven't posted for a while about post-BK13 issues, but now feel it is time to ask questions about when exactly we should expect the BK13 note on our credit reports to disappear.
We had planned to remain here until summer of 2024 (by which time we would have met the 2-year post-BK13 mark for credit report deletion), but we may well have to move to another rental before then since the landlord/land developer informed us we will be going to a month-to-month lease starting in August when our current one ends.
I recall justbroke and shipo , among others, discussed this somewhere here on the forums, but I'm not sure exactly where to find it.
So, how long after the two-year mark is the BK13 completely wiped clean from all Credit reports? Our BK13 discharge anniversary is Feb.2024.
Should we expect it immediately on that date or a month later?
And how much later, on Experian Vantage 3.0? (which Zillow applications and therefore presumably many landlords, use.)
Should we plan on needing to contest the inclusion of the BK info after that date? What materials would we need to supply to the credit bureau to get them to remove it?
At this point, we don't know exactly when we need to move. (We are already looking at rental listing and have found some which would meet our needs and preferences.) We just want to be ready if we can wait to move until after Feb.2024 when the BK13 falls off of our credit reports.
If we have to move before 2024 ,we will have a whole lot of explaining to do, LOL!
We had planned to remain here until summer of 2024 (by which time we would have met the 2-year post-BK13 mark for credit report deletion), but we may well have to move to another rental before then since the landlord/land developer informed us we will be going to a month-to-month lease starting in August when our current one ends.
I recall justbroke and shipo , among others, discussed this somewhere here on the forums, but I'm not sure exactly where to find it.
So, how long after the two-year mark is the BK13 completely wiped clean from all Credit reports? Our BK13 discharge anniversary is Feb.2024.
Should we expect it immediately on that date or a month later?
And how much later, on Experian Vantage 3.0? (which Zillow applications and therefore presumably many landlords, use.)
Should we plan on needing to contest the inclusion of the BK info after that date? What materials would we need to supply to the credit bureau to get them to remove it?
At this point, we don't know exactly when we need to move. (We are already looking at rental listing and have found some which would meet our needs and preferences.) We just want to be ready if we can wait to move until after Feb.2024 when the BK13 falls off of our credit reports.
If we have to move before 2024 ,we will have a whole lot of explaining to do, LOL!
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