Chapter 13 bankruptcy takes a different approach. It allows individuals with regular income to propose a structured repayment plan to pay off their creditors, often over 3 to 5 years. This type of bankruptcy ma
These negative accounts stay on your credit report for seven years, except for Chapter 7 bankruptcy which is reported for 10 years. If you spot an account that shouldn't be included in these sections, contact your creditor and the credit bureaus immediately, as these significantly lower your cr...