How do I get bankruptcy off my credit report?

October 2nd, 2009 | by admin |
bankruptcy
sandhsand asked:


This month makes 10 full years since I filed full bankruptcy. What steps can I take now to get it off my record?

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7 Responses to “How do I get bankruptcy off my credit report?”

  1. By lindakailex on Oct 5, 2009

    I don’t believe it even comes off your record. They just cannot count it towards your credit rating.

  2. By 0402_gurl on Oct 8, 2009

    It is pretty much there for good, But you now have good credit because you paid it off!!!

  3. By wncan47 on Oct 11, 2009

    it takes 7 years for that to be erased from your report.keep paying your bills on time. that will help your credit report.

  4. By Eddie's Wife on Oct 11, 2009

    if you filed 10 yrs ago, it willbe on your credit report, BUT THEY CANNOT FILE THAT AGAINST YOU…7 yrs is the limit

  5. By dcox_gotoguy on Oct 15, 2009

    Contact the credit bureau. If that doesn’t work, maybe your attorney or the bankruptcy Trustee.

  6. By pookyjo2 on Oct 16, 2009

    Any account included in a bankruptcy remains on your personal credit report for a maximum of 7 years from the date the bankruptcy was filed. The bankruptcy itself, listed in the public record information section of a credit report, remains for either 7 years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12.

  7. By Studly on Oct 18, 2009

    pookyjo2 has the only correct answer here.

    To answer the rest of your question, the agency will automatically remove the report once the time period is up, and it does not require any action on your part.

    In the event they do mess up and it’s still there, a simple dispute letter will remove it.

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