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How to check if my bankruptcy is not on record anymore

 
 
Reply Wed 7 Mar, 2007 04:12 pm
I filed for bankruptcy on December, 1997. Will this show up on my credit history if I want to refinance or apply for a loan?
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Type: Discussion • Score: 0 • Views: 784 • Replies: 7
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Bella Dea
 
  1  
Reply Wed 7 Mar, 2007 04:19 pm
Bankrupcy lasts 7 years on your credit (I think). The best way to know is to get your credit report.
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Jeremiah
 
  1  
Reply Wed 7 Mar, 2007 04:56 pm
Is there a website or phone numbers I can call to check if my bankruptcy is not shown?

I heard you have to wait ten years instead of 7 to clear the bankruptcy record.
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Slappy Doo Hoo
 
  1  
Reply Wed 7 Mar, 2007 04:57 pm
Check...your....credit...report...

Look up "credit report" on google and knock yourself out.
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Jeremiah
 
  1  
Reply Wed 7 Mar, 2007 05:06 pm
Is there some sort of penalty or my actual credit score would go down if I do a credit report? Is it free?
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Phoenix32890
 
  1  
Reply Wed 7 Mar, 2007 05:14 pm
https://www.annualcreditreport.com/cra/index.jsp

You are entitled to a free credit report once a year, from all three reporting agencies. Use the link above. There are other sites that offer "free" reports, but to get them you have to buy some service. Here, they will ask you if they can interest you in other services, but they will give you the reports whether you buy or not.
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Slappy Doo Hoo
 
  1  
Reply Wed 7 Mar, 2007 05:24 pm
Jeremiah wrote:
Is there some sort of penalty or my actual credit score would go down if I do a credit report? Is it free?


Running one inquiry on your report may lower the score slightly...but not a lot. If you have good credit, you have good credit...bad credit, bad credit. A point or two doesn't matter.

If you run it on yourself, I don't know if an inquiry shows or not. I don't think it does, but I'm sure. Either way, it's worth it to check your report every year or so to know where you stand.
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want2no
 
  1  
Reply Sat 5 May, 2007 08:02 pm
entitled to 1 free credit report annually
It does not decrease your score.
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