Hi,
We filed chapter 7 BK in 2/2011, our debt was discharged in 6/2011. Our case finally closed in 12/2013 because our trustee died and they had to assign the case to another trustee which took time to get him up to speed, pay our creditors and finally close our case.

We had several...

If this has been thoroughly answered elsewhere, my apologies. I completed a 5yr 100% ch13 with discharge in Oct. 2012. Filing date was Aug 2007. The last time I checked my scores, they were pretty good, but the BK was still showing. I read that the BK will come off the reports 7 yrs after filing for...

Before BK, there was a RELS Reporting Service that kept making hard inquiries on my credit report. I was told that they were from the mortgage company. Once I filed for BK, RELS stopped making hard inquires. After the discharge, I decided to do a short sale on my home (that was surrendered during...

Hello BKForum,

I need a little help please. I filed for Chapter 7 BK in June 2010. My BK was discharged without any issues.

The only problem that I have is that I'm not sure as to what the discharged debt status is suppose to state. I've researched on this site and...

I co-signed my daughter’s private student loans in 2003-06, and have paid on the loans since day 1. My daughter graduated in 2007, and has been paying the loans on-time ever since graduation. I lost my job in 2008, and filed Chapter 13 in April 2009.

As of June 22nd, 2011, we just found...

May 2, 2011

So you’ve made some credit mistakes. With over 35% of the population scoring below 650 on the FICO scoring scale, you’re certainly not alone. But now that you’ve made the mistake, how long are you going to have to live with it?

Each and every negative...

Last week my BK 13 status changed to complete and a closed date was assigned for 1/6/2011. YIPEEE

Few questions:

1) How long until the big 3 (EQ, Experian, Trans . . ) are updated that my BK is closed?

2) How will I know my credit reports have been updated...

Filed Ch 7 in 2008. House was included - did not reaffirm.

1)Original mortgage reported correctly

2)Note then sold to new company (xyz)

3)Then we did a short sale

My problem is the new company (xyz) is reporting the note as "sold"...

Filed 11-29-10. Hit the credit bureaus on 12-3-10! LESS than a week. Holy Cow

report?

I pulled my transunion report today and even though my Honda loan was reaffirmed in my Ch7 (discharged in May 2010), it is showing up as an Adverse Account with a remark: >Chapter 7 bankruptcy<

Is that the way it should be reported? We actually traded this...

Hi All ~

I'll try to keep this brief. I filed Chapter 7 in April and was discharged at the end of July without incident.

About half of my creditors reported "ND" (no data, or blank) on my credit report following my filing date. The other half continued to report...

My bankruptcy was filed in 2005 and discharged in 2007. When did the 7 year mark of ch.7 start, in 2005 at filing or 2007 with discharge? I was just curious.

Will my credit report say when my chapter 7 is discharged? after the discharge will my account and bk get updated to a different status?

What is the best service to subscribe to in order to be able to check all 3 credit reports and obtain a score. Interested in monitoring this info over the next year, maybe more.

Looking for the most economical service, but still able to obtain the scores. I do not really want ID theft...

I was recently offered a position with a large, national financial corporation, and requested a copy of their background, criminal and credit investigation on me for employment purposes. Here's what is contained in the report. The report was prepared by a very large national data services provider,...