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Bankruptcy Showing in Credit Report Even Though Dismissed

Dear Experian,

We filed for Chapter 13 Bankruptcy. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court?

– DLV

Dear DLV,

Even though your bankruptcy was dismissed, once filed the case is a matter of public record and appears in your credit history.

The public record listing for a Chapter 13 bankruptcy remains for seven years from the filing date. For Chapter 7 it remains for 10 years from the filing date. The entry will indicate that the bankruptcy was filed and then dismissed, rather than discharged.

Thanks for asking.
The “Ask Experian” team

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