The Answers You Need
How long can derogatory items remain on your report? How can you spot the items that should be removed? Nationally recognized credit repair expert, Jim Kemish, offers a powerful overview of the most important credit repair guidelines.
Let’s Get to Work!
We speak with people all day long about their credit reports. Here is a review of the most common questions that we encounter, as well as guidance on understanding and resolving the related issues. These details, if properly understood and acted on, can make a significant difference in your credit score.
Chapter 7 Bankruptcy
A discharged Chapter 7 bankruptcy will show in the Public Records section of your credit report for 10 years from the initial filing date please note that the filing date is different from, and prior to, your discharge date.
Debts that are discharged in a bankruptcy can continue to report for seven years. It is important to note that once a debt is discharged it should not report with a past due balance, or in a charge off or collection status.
Dismissed Chapter 7 bankruptcies will report for ten years. A dismissed bankruptcy is a bankruptcy which was filed and thereafter cancelled or disallowed.
Chapter 13 Bankruptcy
A Chapter […]

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