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  1. #1

    Default Rebuilding After Chapter 7 Discharge

    My question involves bankruptcy in the state of: Georgia

    My chapter 7 bankruptcy was discharged on 5/18/11. In September 2011 I was issued an unsecured credit card which is in good standing and I will use towards my rebuild process. My only debt is school loans which have been deferred because of hardship and also because I am a current student. I have not incurred any new debt this year.

    My first question is with a current credit score of 583 what other steps can I take to increase my score? I would like to think of buying a home in at least two years.
    Also, after bankruptcy, how long are the discharged accounts allowed to remain on my credit report?

  2. #2
    Join Date
    Sep 2010
    Posts
    19,901

    Default Re: Rebuilding After Chapter 7 Discharge

    Credit information is kept on your record for seven years.

    The rest isn't a legal question. Might I suggest www.creditboards.com for information on credit issues.

  3. #3
    Join Date
    Jan 2010
    Location
    New Jersey
    Posts
    3,666

    Default Re: Rebuilding After Chapter 7 Discharge

    Quote Quoting flyingron
    View Post
    Credit information is kept on your record for seven years.

    The rest isn't a legal question. Might I suggest www.creditboards.com for information on credit issues.
    Is it 7 or 10? I've heard 10.

  4. #4

    Default Re: Rebuilding After Chapter 7 Discharge

    The actual bankruptcy stays on your record for 10yrs but the creditor information is 7yrs. My question was about getting the creditors deleted from the report.

  5. #5
    Join Date
    Sep 2011
    Location
    OH10
    Posts
    17,019

    Default Re: Rebuilding After Chapter 7 Discharge

    You should not even consider it, until you get your school loans straight. The interest you will pay will be astronomical.

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