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Nina97488g

Joined: 08 Feb 2009
Nina97488g's page
Posts: 8

320 Magic Points

Subject: Date of Status

Mon Mar 09, 2009 8:14 pm

When you have filed for bankruptcy, what is the actual "Date of Status?" Is it your filing date or discharge date, because Equifax has it as the filing date and Experian has it as my discharge date.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Tue Mar 10, 2009 7:42 am

Bankruptcy stays in your credit report for seven to ten years from the date it has been discharged and not from the date of filing bankruptcy. So I think that the "Date of status" will be the date when your bankruptcy was discharged. You can call Equifax at 1-888-202-4025 and find it out.
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John Sanders

Joined: 10 Mar 2009
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Posts: 2
Location: Lake Worth, FL

38 Magic Points

Tue Mar 10, 2009 1:17 pm

I believe Carol is correct and that Equifax just entered the data wrong. Happens all the time.

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sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Thu Mar 12, 2009 10:02 am

Then does the OP have to go back and prove, to the CB's, that they entered the date incorrectly?

Guest

Thu Mar 12, 2009 1:44 pm

Yes they would. Every couple of months they change the information.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Thu Mar 12, 2009 2:17 pm

Nina, It is the date of discharge. I know this answer for sure because IO went through it about 13 years ago. It took mine 10 years to fall off my report. A lot of credit counselors will try to tell you they can get it removed but I believe this to be far from the truth.

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