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Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.

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Q: When does chapter 13 come off credit?
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Is it possible to get a home equity loan while paying chapter 13?

No you can not get a home equity line of credit but you can refinance and pay off the chapter 13 with the new mortgage.


How long does a dismissed chapter 13 bankruptcy stay on your credit file?

A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years


How do you get a dismissed Chapter 13 it off your credit?

I may be wrong about this, but it is my understanding that you CAN'T get a Chapter 13 off your credit report until it automatically comes off 7 years from the date it was filed. But, if it's on there longer than 7 years, you can ask the credit reporting agency to remove it. A Chapter 13 bankruptcy is listed on your credit report for 7 years regardless of why the case was filed or whether it was successfully completed or dismissed (and Chapter 7's are on your credit for 10 years). Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.


How long does it take after a bankruptcy is discharged to show on your credit report?

The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.


Is it better on your credit to refile after a Chapter 13 dismissal or pay your bills yourself with your creditors?

You are always going to be better off by paying your bills.

Related questions

Is it possible to get a home equity loan while paying chapter 13?

No you can not get a home equity line of credit but you can refinance and pay off the chapter 13 with the new mortgage.


Do charge offs go off if you file chapter 13 bankruptcy?

Charge off will still show up on your credit report as such as well as the bankruptcy. Chapter 13 requires the individual to repay a portion of the charged off balance this is a type of Settlement that the credit card companies/loan agengies will accept as legally binding agreement. Chapter 13 usually require a payment for 36 to 60 months.


How long does a dismissed chapter 13 bankruptcy stay on your credit file?

A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years


Does Chapter 13 come off your records from the date that you filed or the date the bankruptcy was completed?

Usually within thirty to ninety days when the BK 13 is completed. I disagree with the above response. It is my understanding that a Chapter 13 bankruptcy comes off your credit report seven years after the Order for Relief, and the Order for Relief is issued immediately upon the filing of the petition. So, the Chapter 13 should come off of your credit report seven years after the filing date. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.


Does a chapter 7 bankruptcy affect your credit the same as a chapter 13?

Yes.


How do you get a dismissed Chapter 13 it off your credit?

I may be wrong about this, but it is my understanding that you CAN'T get a Chapter 13 off your credit report until it automatically comes off 7 years from the date it was filed. But, if it's on there longer than 7 years, you can ask the credit reporting agency to remove it. A Chapter 13 bankruptcy is listed on your credit report for 7 years regardless of why the case was filed or whether it was successfully completed or dismissed (and Chapter 7's are on your credit for 10 years). Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.


How would being secondary on a credit card affect the secondary if the primary filed Chapter 13 can it be taken off the secondary's credit report?

An unfavorable item should be on your report for seven years. A co-debtor's chapter 13 should not affect your liability on the debt.


How is your credit affected by a chapter 13 bankruptcy verses a chapter 7 bankruptcy?

Both have the same negative impact on your credit.


How long does it take after a bankruptcy is discharged to show on your credit report?

The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.


Will it hurt your credit if one of your accounts on your credit report has filed chapter 13 but it is not yours but your ex-wife?

Yes. But not as bad as if you filed chapter 13 yourself. Not fair, eh?


How do you restore credit after chapter 13?

Make payments on time


Is it better on your credit to refile after a Chapter 13 dismissal or pay your bills yourself with your creditors?

You are always going to be better off by paying your bills.