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A dismissed chapter 13 remains on a credit report for 7 years. A dismissed chapter 7 or 11 remains for 10 years. A discharged chapter 7 or 13 or 11 remains for 10 years. If the date for the dismissal or discharge exceeds any of the above time limits then the consumer should contact the credit bureaus by written correspondence requesting the entry be expunged.

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โˆ™ 2006-09-13 13:19:45
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Q: If you had a bankruptcy removed from your credit report would you still be able to challenge that dispute in the same manner after 6 years?
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How do you remove a bankruptcy from your credit?

You can dispute a bankruptcy to the credit bureaus. This gives them 30 days to verify it with the courthouse that filed it or it must removed from your credit report. This would only be the bankruptcy, not the items included in bankruptcy. You would have to dispute them separately. Answer No, a bankruptcy cannot be removed if you actually had one and it was discharged. Rather, it will "time out" after a set number of years. You can recover some credibility after a couple of years of paying accounts as agreed.


How do you get a bankruptcy that's not mine removed?

If a bankruptcy is showing on your credit report that is not yours, you will need to contact all three bureaus [or the ones that are reporting as such] to dispute the bankruptcy as 'not yours'. Send your dispute, registered, return receipt requested.


How do you remove bankruptcy from your credit rating?

The only way to remove a bankruptcy from your credit report is to dispute it to the credit bureaus. The credit bureaus have 30 days under the Fair Credit Reporting Act, to verify your bankruptcy withe the court that filed it or it must be removed from your credit report.


Can you remove bankruptcy from credit report?

Yes you can remove a bankruptcy from your credit report. You must dispute it to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or it must be removed from your credit report. A bankruptcy should only be disputed if it is erroneous or inaccurate.


If it has been 10 years since your bankruptcy how do you get it removed from your credit?

Write a letter of dispute to any credit bureau displaying a bankruptcy past the legal reporting period. Request its' removal per the Fair Credit Reporting Act.


Can you dispute an item that was included in bankruptcy?

You can dispute bankruptcies and items included in bankruptcies the same as any other negative item on your credit report. You must submit a dispute letter to the credit bureaus stating why the item(s) are being disputed. The credit bureaus have 30 days to verify the items or it must be removed from your credit report.


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 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.


How do you get out of bankruptcy?

Bankruptcies will stay on your credit report for 7 to 10 years. The only way to get it removed is to have the courthouse where it was filed remove it or the credit bureaus remove it themselves. You can dispute it yourself to the credit bureaus or hire a credit repair service to do it for you.


How do you remove a false charge off date from your credit report if the date was reset from the original?

You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.


How do you get bankruptcy off your credit report?

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


Can a bankruptcy entry on a credit report be removed when the bankruptcy was discharged in 1999 and it is listed on the credit report as 2006?

No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.

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