Yes.
No. Filing a bankruptcy creates a public record that does not go away because you did not complete the bankruptcy. - once you file and get a case number you have filed for bankruptcy. if you didn't follow through and it got dismissed is regardless. you still filed for bankruptcy and it will still be on your credit report.
Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.
If the bankruptcy was removed from your credit report, you may not be able to challenge it as a dispute in the same manner after 6 years. The information should no longer be present on your report if it was successfully removed, so there would be nothing to dispute. It's important to regularly check your credit report to verify that the bankruptcy has been properly removed.
Yes, your payment history will still be a part of your credit report as well as the Chapter 7.
It depend on the individual credit card companies if they report on your credit history or not, like some department store credit cards may not show on a credit report
The still stay on your credit report the normal length of time for negative credit entries (7 years). After the discharge, they might still show a balance but should also make not of being included in the bankruptcy.
Yes. If they extend the line of credit to you, and you do not activate it, it will still show up on your credit report.
No. A bankruptcy becomes a public record as soon as it is filed. Its the same as any other type of lawsuit. Even if they are dismissed, they will still show up when searching for your name. The fact that a bankruptcy was not completed does not negate the fact that it was filed.
It means your case is dismissed. Your case will still show up on your background report. I got my felony case expunged, but it still shows on my background as dismissed.
No....10 years from discharge
Between five (5) and six (6) years, depending on how long it took to discharge the chapter 13 bankruptcy. Generally a total of ten (10) years after the bankruptcy appears on your credit report is required before applying for prime credit. The average chapter 13 takes 4-5 years to be discharged, leaving about 5 years of having the bankruptcy still on your credit report.
The foreclosure will be on your credit report indefinitely.