arkansas17787 Posted September 18, 2007 Report Share Posted September 18, 2007 Does the 7 years a negative begin, start on the first missed payment? If so, does even mean if it was later added into bankruptcy? I have 2 crap ones listed from 1st missed payment, the other one is listed from date of Bankruptcy.. Any help would be appreciated. Link to comment Share on other sites More sharing options...
debtonator Posted September 18, 2007 Report Share Posted September 18, 2007 If both Cap One TL's were in the BK they should both report IIB. Cheers Link to comment Share on other sites More sharing options...
hendu Posted September 18, 2007 Report Share Posted September 18, 2007 Does the 7 years a negative begin, start on the first missed payment? If so, does even mean if it was later added into bankruptcy? I have 2 crap ones listed from 1st missed payment, the other one is listed from date of Bankruptcy.. Any help would be appreciated.DOFD really applies to the SOL of the debt. Link to comment Share on other sites More sharing options...
Jena29 Posted September 20, 2007 Report Share Posted September 20, 2007 I am curious to this also- I am always confused by the different answers here-I have a BK discharged in Aug 2005. All accounts included - but there is still a DOLA- I have had a few of them deleted for age I suppose- they are all from 1999 to 2001. I have 3 left and the year mark is fast approaching- they still have to delete in 7 years correct? Or is it 7.5 years? I have heard both.... Link to comment Share on other sites More sharing options...
razr Posted September 20, 2007 Report Share Posted September 20, 2007 7 years + 180 days. However most remove the TL at 7 years. When you hit the seven year mark, go ahead and dispute because of age.-r Link to comment Share on other sites More sharing options...
Ahntara Posted September 20, 2007 Report Share Posted September 20, 2007 The ACCOUNTS, the TL's, should be deleted 7 years (+180 days) from DOFD.The BK listing (in the Public Records section) should remain for 10 years - Ch 7 or 7 years - Ch 13. Link to comment Share on other sites More sharing options...
momof5 Posted September 21, 2007 Report Share Posted September 21, 2007 BK13 is 7 years if discharged, 10 yrs if dismissed. Link to comment Share on other sites More sharing options...
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