Friday, October 30th, 2009

What does credit report look like after bankruptcy?

I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?

All of your account names will show. There will be a code for the bankruptcy. It will still show what your high was but the balance will be 0. It will stay on your report for 10 years. However after 2 years you can begin to reestablish some credit. Your interest will be sky high though. Your credit report is never blank, they fill in all the blanks, to be sure.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

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3 Responses to “What does credit report look like after bankruptcy?”

CbALEY Says:
October 31st, 2009 at 1:05 am

Normally, when you file bankruptcy, it affect your credit report and score. You will have to check your credit report to see how it looks like after bankruptcy. http://www.bestcreditcardratings.com/Credit-Report
References :

Doctor Deth Says:
October 31st, 2009 at 1:35 am

nothing disappears – all transactions stay on there for at least 7 years nd 10 yrs for a Bankruptcy – mine was discharged 8.5+ yrs ago and lenders can still see it, but if doesn’t really affect anything anymore – I bought 3 houses and some land in the past 4 yrs

don;t expect to be able to get any kind of credit for at least 2 yrs and after that, the int rates will still be high for at least a couple more years – probably a LOT of years for credit cards
References :

modesta Says:
October 31st, 2009 at 2:11 am

All of your account names will show. There will be a code for the bankruptcy. It will still show what your high was but the balance will be 0. It will stay on your report for 10 years. However after 2 years you can begin to reestablish some credit. Your interest will be sky high though. Your credit report is never blank, they fill in all the blanks, to be sure.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.
References :

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