After 15 yrs, must I not check box that says”yes my history is clear of bankruptcy” on a credit card applicato?
Question by JJ’72: After 15 yrs, must I not check box that says”yes my history is clear of bankruptcy” on a credit card applicato?
I’ve since married(husband has excellent credit) I have credit cards that I was approved for online without having to fill out all info and one was store card I applied for to get mchdse discount and ended up qualifying for the better store name Visa card so I assume my credit’s good. I pay full balance when there is one. Now this online credit card app wants me to check this box saying my “history clear of bankruptcy” That seems it can go either way. Maybe I don’t have to admit to it because it is technically clear of bankruptcy after 15 years, but if I do check box am I lying, and if I don’t will they automatically DQ me and will this then show up on my credit report? I really only want a card to shop online as I cancelled that store visa card before I realized I should keep it for occasional online shopping as I won’t use my bank card online. Any help is much appreciated. Thank you very much
Best answer:
Answer by My Take on It
Does the bankruptcy still show on your credit report? If it doesn’t, I wouldn’t be checking no on the application.
Give your answer to this question below!
After 10 years of your filing date (not to be confused with discharge or closing date which can occur LONG after the filing date), you do not need to disclose that information. That info has been purged from your records.