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The debts which were wiped out in bankruptcy still stay on your credit report, but they should be listed as "Discharged in bankruptcy."

They will still stay on your credit for 7 years (they don't get extended to 10 years like the Chapter 7 just because they were discharged in bankruptcy).

Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

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โˆ™ 2015-07-14 16:08:33
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Q: A bankruptcy can not be wiped off your credit report until after 10 years but if the accounts on your credit report which were discharged in the bankruptcy can these be taken off?
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Related questions

How do you know if your bankruptcy is discharged on your credit report?

Bankruptcy does not get discharged. Debts are discharged. The bankruptcy will remain on your credit report for 10 years from the date of filing. The debts that were discharged can remain for 7 years from the date of discharge, showing a zero balance and that they were discharged in bankruptcy.


How long does it take for the accounts to come off your credit report after being discharged from bankruptcy chapter seven?

Never


Can discharged items that were included in a bankruptcy be listed as discharged in bankruptcy on your credit report?

Yes, discharged debts are generally noted as "included in bankruptcy" on a CR.


When will a 1999 discharged bankruptcy be removed from a credit report?

It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.


Will your credit report only show a discharged bankruptcy or will it also show all the accounts included in the bankruptcy?

Your credit report will show both the accounts (which were listed first) and the legal entry of the bankruptcy in the public records portion of your credit report. Once a bankruptcy is discharged, credit grantors should update the account listing (called a trade line) and make sure that no derogatory information is showing (like past due balance or collection account notations) EXCEPT for the "included in bankruptcy" statement. This is what SHOULD happen. It's up to you to follow up and make sure that your credit report looks like it is supposed to after a bankruptcy.


Can you legally negotiate with individual creditors for a letters of deletion from your credit file after the bankruptcy invovling the accounts has been discharged?

no it has been filed with the state and will stay on your credit report


Can a judgment be put on your credit if the debt was part of the bankruptcy?

Not if the debt was discharged in the bankruptcy. If the judgment was on the credit report before the bankruptcy was filed and/or was discharged in the bankruptcy, the entry will still remain on the CR for seven years.


Will a credit score change when a discharged bankruptcy is removed from the credit report?

Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.


The accounts that you discharged in bankruptcy should no longer show on your credit report after 1 year?

The accounts can remain up to seven years after the last payment was made, but will show a zero balance due to a bankruptcy filing.


If someone filed Chapter 7 Bankruptcy and wanted to repay some of the debts listed in full would that bring their credit with those creditors into good standing on their credit report?

No-the accounts have been discharged in bankruptcy.


How long does a discharged Bankruptcy stay on credit report in California?

12 yr


Will an eviction still show up on your credit report after a bankruptcy?

Why not? All debts are discharged, but any other actions, such as evictions, are not affected. And the fact of being discharged in bankruptcy can stay on your credit report for 10 years.

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