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Answered 2008-08-25 13:29:48

It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.

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Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


Bankruptcies are a matter of public record and this is why they appear in credit histories. A Chapter 13 listing will remain on your credit report for seven years from the filing date and a Chapter 7 will remain on the credit report for 10 years from the filing date. The credit report entry will state the bankruptcy was filed and dismissed, not discharged.


A bankruptcy will remain on a credit report for the required ten years, it cannot be removed arbitrarily.


Seven years is the standard for anything that has been settled to stay on your credit report. So the normal type of bankrupcy, Chapter 13 I believe, will be off the report after seven years.


If you didn't actually declare bankruptcy, you can report the error to the credit bureaus. If you did declare bankruptcy, you'll have to wait for it to age off.



The statute of limitations for reporting information about a bankruptcy is ten years from the date it was filed. You did not mention the filing date, so the very late date your bankruptcy should show on your credit report would be September of 2006.


No. Filing a bankruptcy creates a public record that does not go away because you did not complete the bankruptcy. - once you file and get a case number you have filed for bankruptcy. if you didn't follow through and it got dismissed is regardless. you still filed for bankruptcy and it will still be on your credit report.


i am A Mortgage Broker The Bankruptsy Never Leaves The VCredit Report But if You Are Trying To Do Something With Your Credit Banks Go off The Discharge Date * 10 years for a dismissed chapter 7 and 7 years for a dismissed chapter 13.


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.



Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.


The bankruptcy is not discharged. Your debt obligation is discharged. The discharge notice usually is mailed to you about 6 weeks after the 341 meeting. The filing of bankruptcy will stay on your credit report for 10 years from the date of filing.


Charge off will still show up on your credit report as such as well as the bankruptcy. Chapter 13 requires the individual to repay a portion of the charged off balance this is a type of Settlement that the credit card companies/loan agengies will accept as legally binding agreement. Chapter 13 usually require a payment for 36 to 60 months.


Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.


Paperwork relating to the bankruptcy should be kept until at least the bankruptcy is off your credit report.


Significantly, but most important of all will be what have you done to make sure you have paid your credit cards on time and how have you rebuilt good credit since you last file Chapter 7.


it will show the balance & the bankruptcy followed there after.so the answer is NO. GOOD LUCK


Bankruptcy only impacts your credit for 7 years. Contact Experian, Transunion, Equifax to get it removed from your credit report. Addresses and phone numbers to all 3 are avail. on internet,


If the debt that you were sued over, or the judgment itself was included in your bankruptcy, you only need send a copy of your bankruptcy papers to the credit reporting agencies. The judgment will not "come off", but it should get marked "included in bankruptcy" or "discharged through bankruptcy".


Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.



First off once you file bankruptcy you cannot do it again for 7 years. Bankruptcy stays on your credit report for 10 years. Rather to try to describe what the different types of bankruptcy will do to your credit click the link for more information.


Look at the date your bankruptcy was filed. 10 years from that date it should be off.


A chapter 7 can remain on your credit report for up to 10 years after the date of the discharge. It will drop off after that because of the federal Fair Credit Reporting Act.



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