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When is Bankruptcy Removed from Your Credit Report

Dear Experian,

I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed?

– CJN

Dear CJN,

The amount of time that a bankruptcy listing remains on your credit report depends on which chapter is filed. Bankruptcies included in credit reports typically fall into two chapters, either Chapter 13 or Chapter 7. You didn’t say under which chapter you filed, but your question suggests that it was probably a Chapter 7 bankruptcy.

Under Chapter 13 bankruptcy you repay a portion of the balances owed to creditors  through a debt repayment plan. Because payments are made on your debts in order for this type of bankruptcy to be discharged, a Chapter 13 will only remain on your report for seven years from the date filed. If you filed Chapter 13 bankruptcy, it should have been removed in 2012.

Under Chapter 7 bankruptcy, all debts are forgiven. There is no repayment. Chapter 7 bankruptcy remains on the report for 10 years from the date it was filed.

You indicated that your bankruptcy was filed in 2005. Assuming that your bankruptcy was a Chapter 7, it would be removed in 2015.

If you filed a Chapter 13 bankruptcy, you should submit a dispute by following the instructions included in your Experian credit report or visiting How to Dispute Credit Report Information.

Submitting a copy of your bankruptcy Schedule A will help enable Experian to update its records. You can submit copies of any documentation at www.experian.com/upload/.

Thanks for asking.
The “Ask Experian” team

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