ENTERING ORBIT…
ENTERING ORBIT…
Credit event instrument
"How long ago was it?" is the first question on every credit-event file. Get the months — and the exact dates each tier opens.
SEASONING
25MONTHS
24–36: mainstream Non-QM territory. Clocks differ by investor — Chapter 13 especially (filing vs discharge).
12mo
PASSED
24mo
PASSED
36mo
JUN 2027
48mo
JUN 2028
Chapter 7 seasons from discharge. Foreclosure seasons from completion — not the last missed payment. Chapter 13 is the trap: some investors count from discharge, others from filing if the payment history is clean, which can be a multi-year difference. That per-investor detail lives in the guidelines the Scenario Desk has indexed.