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Bankruptcy Q&A

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public records

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  6881.1
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  12/27/2005 8:41 pm

My BK was discahrged in March 2004. I just applied for credit for minor surgery and was approved. The girl there said that my BK was not showing up on my report yet. I pulled it up online and under public records it says "0". In the account summary it does show up under the ones included in the discahrge. Is this normal???
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  6881.2 in response to 6881.1
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  cg108
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  12/27/2005 10:09 pm

To answer your question, no it is not normal or usual for there to be no record of a 2004 bankruptcy discharge in your public records. The date the bankruptcy is filed (not the discharge date) is the information that should appear for the next 10 years (for Chapter 7 and only 7 years for Chapter 13) in the public records section of the credit report. If your report is free of this listing, then it is an error in your favor (although some of your credit entries will show the bankruptcy).

I hope the upcoming surgery isn't for something serious and wish you a speedy recovery.

Carolyn

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  6881.3 in response to 6881.2
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  cg108
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  12/28/2005 9:59 am

Thank you Carolyn. It was LASIK surgery a couple of weeks ago and it was wonderful!!!
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  12/28/2005 10:18 am

Where would I go to see if my BK is listed in public records? Would it be the local courthouse?
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  6881.5 in response to 6881.3
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  12/28/2005 11:25 am

LASIK surgery! Congratulations! That is absolutely wonderful!!

Carolyn

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