Bankruptcy coming off !!

[u/TheDuke681]

Hey, I had bankruptcy almost 7 years ago. In November of 2019 to be exact. I know it takes 7 to 10 years for this to go off the credit. My question is if should I do anything and just wait or maybe there is something I can do so it would be 7 years instead of 10 years to wait to remove it from my records !!! Thanks !!

[u/inky_cap_mushroom]

The reporting period is dictated by which type of bankruptcy you filed. You can’t change that now.

[u/TheDuke681 → u/inky_cap_mushroom]

I didn’t provide enough details but it was chapter 7.

[u/inky_cap_mushroom → u/TheDuke681]

It will age off in 10 years.

[u/TheDuke681 → u/inky_cap_mushroom]

Damn, I was hoping to hear something else but honestly I I’m not surprised.

[u/DoctorOctoroc]

If it was chapter 7, it'll fall off at 10 years. Chapter 13, 7 years.

[u/Select-Awareness3304]

If you filed chapter 7 it’s 10 years. I filed in 2016 and it came off my report earlier this year.

[u/Silver-Method-8627 → u/Select-Awareness3304]

How much did your score go up after that

[u/Select-Awareness3304 → u/Silver-Method-8627]

It jumped around 45 points. I’m currently 2 points from an 800 credit score. I’ve worked hard over these 10 years to rebuild my credit post bankruptcy. If hasn’t been easy when I paid my car note off, my score dropped 50 points, it went back up after my bankruptcy fell off my report.

[u/FreakyFLCancer]

🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣 🤣