Credit Advice

Bankruptcy and other negative information is removed automatically


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Credit Advice

Bankruptcy and other negative information is removed automatically

Dear Experian,

Ten years ago I had a failed business and had to file personal chapter 7 bankruptcy. Now that the 10 years has passed – or is about to – since the discharge, is there anything I need to do to get the public record off of my credit report? Or, does it fall off automatically?


Dear KSW,

When a bankruptcy is reported, Experian notes the filing date and tracks it for 10 years in the case of Chapter 7 bankruptcy or seven years in the case of Chapter 13 bankruptcy. At the end of that time Experian will remove the information automatically. You should not have to do anything.

However, I recommend that you get a copy of your credit report from each of the national credit reporting companies after the 10 year period is over to verify that it has been removed.

If the information has not been removed from any of your credit reports, you can dispute the information and have the records updated.

It is also a good time to purchase a credit report and score to see how your credit history will be viewed by lenders without the presence of the bankruptcy. The credit score risk factors you receive with the score will guide you toward the next steps you need to take to further improve your creditworthiness.

You should get copies of your credit reports every year just to know what is being reported and to work with the credit reporting companies to ensure all of the information is being reported accurately.

You can get a free report once every 12 months at

Thanks for asking.

- The "Ask Experian" team

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