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Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.

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Q: What are the laws pertaining to a credit reporting agency still reporting after a bankruptcy discharge?
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How do you remove a repossession on your credit report after bankruptcy is discharged?

You present proof that the repossession never occured. You can dispute it with the credit reporting agency.


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Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.


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If you filed bankruptcy over 10 years ago and it has come off your credit report if you file again will it show two filings?

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