Posted on: 08th May, 2012 02:51 am
Hi there, I got my bankruptcy filing discharged in 11/2010. I have 3 accounts that are listed negative that were supposed to fall off my CR in 2010 that were listed in my bankruptcy. When I called Experian the rep told me that they're new date to fall off is 2017 even though they were listed as negative before the bankruptcy. From everything I've read here and on other sites isn't the fall-off date supposed to be the date of DOFD? Someone please help me!
As far as I can understand, Experian is right in saying so. As you have included the accounts in your bankruptcy filing, their status have been updated. Thus, they will fall off your credit report at around 2017.
Hi Crysantha,
The bankruptcy filing as a whole will remain in your credit report for 7 years. The accounts those were included in your bankruptcy filing will have a status update mentioning the fact that they were included in the bankruptcy filing and will remain in your credit report for 7 years.
Thanks
The bankruptcy filing as a whole will remain in your credit report for 7 years. The accounts those were included in your bankruptcy filing will have a status update mentioning the fact that they were included in the bankruptcy filing and will remain in your credit report for 7 years.
Thanks