atl240 Posted July 28, 2008 Report Share Posted July 28, 2008 Hi, newbie on board :0 Easy question (i hope)Filed BK13 Oct 2000. Dismissed Oct 2001, paid most accounts outside of BK, others written off. TU & EXP have both aged the PR and it has fallen off. EQ still reporting BK, and actually shows last activity as Jul 05. No actual activity since dismissal in 2001.Please advise best way to get resolution. I would prefer EQ to stop reporting as have the others. I have not filed dispute as yet, afraid my dispute would re-age the entry.Thx so much for the help!ATL240 Link to comment Share on other sites More sharing options...
ShortBus Posted July 28, 2008 Report Share Posted July 28, 2008 A BK will show on your CR for ten years (FCRA, §605((1)). Link to comment Share on other sites More sharing options...
Boscoe Posted July 29, 2008 Report Share Posted July 29, 2008 Don't know why, but EQ will NOT remove a chapter 13 until 10 years are up. EX and TU do it at 7, but the law permits leaving it on up to 10 years..... Link to comment Share on other sites More sharing options...
momof5 Posted July 31, 2008 Report Share Posted July 31, 2008 The whole point of removing a BK13 @ 7 yrs was to reward those who got a DISCHARGE (meaning that they paid their bills). A dismissed will stay for 10. A dismissed BK looks to creditors that you couldn't even get your act together in BK....it is a baddy, but lessons learned. Link to comment Share on other sites More sharing options...
Boscoe Posted August 5, 2008 Report Share Posted August 5, 2008 Disputing again will not re-age a bk. By law, they MUST come off after 10 years from filing date. Link to comment Share on other sites More sharing options...
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