What shows on your CR when your Ch 13 is Discharged?

[afarr]

I've seen the topics on how creditors should report (no chargeoff after the Bk was filed, etc.), and that's not my concern...I can deal with that if it shows up incorrectly.  

I assume all cards/accounts should show as '$0 balance' (since my Ch 13 was 100% paid).

Does the Credit Report say 'Bankruptcy Discharged' or some such anywhere (under public records, etc.)?

Thanks!

[Shooting-For-800]

Yes, it will show up for 7 years from FILE date.

Some if not all of your accounts may literally disappear.

Otherwise, nothing matters other than no lates since file date and $0 balance.

Congrats!

[afarr]

@Shooting-For-800 

Thanks.   So no notation:  Discharged 4/2024 or such on the public record?

[Horseshoez]

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@afarr wrote:

@Shooting-For-800 

Thanks.   So no notation:  Discharged 4/2024 or such on the public record?

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My credit reports showed a few things before the public record fell off:

• EX:
  • A car loan showed, "Discharged through Bankruptcy Chapter 13/Never late."
  • Public Records: Chapter 13 bankruptcy discharged
• EQ:
  • A car loan showed, "INCLUDED_IN_CHAPTER_13"
    • Comments:
      • Bankruptcy Chapter 13
      • Bankruptcy completed
  • Public Records: Bankruptcies
    • Plan by debtor to pay percent of income over a period of years has been completed. Debtor no longer liable for debts listed in payment plan.
• TU:
  • Public Records: Discharged Chapter 13 bankruptcy remains on your file for up to 7 years.