Jump to content

Chapter 13 dismissal vs. discharge and Equifax

Recommended Posts

I filed a Chapter 13 in May of 2009 with my then husband.  He left the marriage in July, so I had the Chapter 13 dismissed.  In November I refiled a Chapter 13 individually.  Equifax tells me that the Chapter 13 dismissal will stay for 10 years, but the Chapter 13 discharge will drop in 7 years.  What's up with that?  If I dismissed it voluntarily and then refiled and paid my debts, it should also drop off after 7 years.

Link to comment
Share on other sites

29 minutes ago, thisisscrewedup said:

Everything I have read says that a Chapter 7 & 11 will stay for 10 years, but a Chapter 13 will only stay for 7 years.  The other agencies dropped it off my report, but Equifax refuses.


Try a complaint with the CFPB.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.