I am 12 mo out of chapter 7. All my neg item's on all three report's,
Show 0 balance i have to date remover three collection's and 6
account's that I payed off but was still reporting. I need a letter,
to send to creditor's to demand them to delete. Up till now it has,
been phone work and a sad story. Help the sad story man.
Chapter 7
Welcome to the forums!!!
You can’t remove them as negative items will remain on your credit report for 7 years from the date of your first default. You may make a written request to your creditor to remove that item from your credit report. But it depends on their discretion whether or not to accept your request.
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You must be joking. When a pesron files a Chapter 7 bankruptcy it means they are penniless. Buying a new house (or even a preowned home) means you have 20% down on that house in your savings account. So when can you buy a house? Well it depends on how long it takes you to save up that 20% down, have maintenance costs, have closing costs, have furniture and such, etc. etc. So I'd say, depending on the size of income you have from a job, and the good credit you've gained over years on that job, maybe 20 years.References : +1Was this answer helpful?