Posted on: 02nd Aug, 2012 12:39 am
back in 2002 i filed a chapter 13 bankruptcy. i was going to keep the house, enter into a repayment plan by doubling up the payments, to keep current and pay back the arrears. my attorney filed the ch 13 with the bk court, and then after i realized that i would not be able to make it and was only postponing the inevitable, so i had my bankruptcy attorney withdraw the bk, essentially it was dismissed and that is how it reads on my report. i let the house go in a ch7 and that is due to fall off in 1/2013. being that the ch 13 was dismissed and i never went through with it is there any way to dispute it with the cra and word it in a way to have it deleted?
Hi Seahawk!
Welcome to forums!
Like any other negative item, Chapter 13 bankruptcy dismissal will stay in your account for 7 years. After 7 years, it will automatically get removed.
Feel free to ask if you've further queries.
Sussane
Welcome to forums!
Like any other negative item, Chapter 13 bankruptcy dismissal will stay in your account for 7 years. After 7 years, it will automatically get removed.
Feel free to ask if you've further queries.
Sussane
The CRA reports your credit history, and your history is you filed a Chapter 7 and dismissed it, just as your credit history states.
>>Being that the CH 13 was dismissed and I never went through with it is there any way to dispute it with the CRA and word it in a way to have it deleted?
No, not for that reason. But you can requesting having it removed because chapter 13's fall off credit reports 7 years after the filing date. You filed 10 years ago, so it should have fallen off 3 years ago.
But the chapter 7 will remain until it's been on your credit report for 10 years from your discharge date.
No, not for that reason. But you can requesting having it removed because chapter 13's fall off credit reports 7 years after the filing date. You filed 10 years ago, so it should have fallen off 3 years ago.
But the chapter 7 will remain until it's been on your credit report for 10 years from your discharge date.
