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Late Payments on Credit Report after Declaring Bankruptcy

Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?

– NPN

Dear NPN,

Your credit report is a history of your accounts and payments. Although accounts included in your bankruptcy will no longer show a balance owed, they will continue to show the history of the account, including any late payments made prior to the bankruptcy.

Any late payment history will be deleted seven years from the original delinquency date, which is the date the account first became late and after which was never again current.

Accounts that were current and never late prior to being included in bankruptcy will remain on your report for seven years from the date the bankruptcy was filed.

Bankruptcy public records remain for seven years if you declare Chapter 13 bankruptcy and for 10 years if you declare Chapter 7 bankruptcy.

Thanks for asking.
The “Ask Experian” team

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