My question involves bankruptcy in the state of: Texas
I am searching for the actual law that says how long derogatory information can be reported after chapter 13 bankruptcy. I filed back in December 2004, paid everything on time for 5 years, was discharged in January 2010 and waited two more years (for a total of 7 years, the amount of time I thought it would take to clear up my credit report) before looking into refinancing my house. After checking into all three major credit agencies I found out that there is still a slow payment reported from my auto loan (the payment was slower than the original note per the bankruptcy agreement, but the total amount was paid in full & i received the clean title back in 2009 which is also the last report of 90+ days late payment on that account) and a couple other "charge off" statements from two credit cards and a remark stating: Chapter 13 wage earner plan account.
I have put online disputes in with the credit agencies for each of the accounts I believe should no longer be reported but all three cases have been dismissed without any changes. When I contacted the trustee to ask if they are correct of if I should continue to remedy the errors they thought I was correct and said I should talk to my lawyer. Unfortunately my lawyer has retired or moved on & is no longer practicing. So I'm just searching for the bottom line answer: How long can bad debts, late payments, bankruptcy, and/or derogatory information be reported on a credit report after chapter 13 bankruptcy in Texas? From everything I find online it sounds like 7 years after filing for chapter 13 and 10 year for chapter 7, but I'm not sure if that's just a general guideline (which means I really have no recourse except to wait) or actually part of the bankruptcy law (which means I can continue to pursue this issue until it is corrected).
Thanks in advance for any help!!