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Debt Discharged in Bankruptcy Showing on Credit Report

Dear Experian,

How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it removed from the credit report?

– MCH

Dear MCH,

When an account is included in bankruptcy and discharged the creditor can no longer legally try to collect the debt. Therefore, the account will be updated in your credit report to show it was discharged in bankruptcy and will no longer show a balance owed. However, this does not mean the debt will no longer appear in your history.

Like any other account, late payments made on the account prior to the bankruptcy will continue to be reported for seven years from the original delinquency date of the account. If the account was in a collection status or charge off at the time of bankruptcy, that information will continue to show as well. The account will be deleted seven years from the date of the original delinquency.

If the account was never late and in good standing prior to the bankruptcy filing, the account will remain on file for seven years from the discharge date for Chapter 7 bankruptcies and seven years from the file date for Chapter 13 bankruptcies. However, the bankruptcy public record itself will still be considered negative.

Thanks for asking.
The “Ask Experian” team

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