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One of the great myths about bankruptcy is that it erases bad credit history. It doesn’t. Declaring bankruptcy frees you from paying all or part of the debt you owe. Accounts will be updated in your credit report to show “included in bankruptcy.” However, the accounts will not be deleted from your credit report. Chapter 13 bankruptcy remains on your credit history for seven years. Chapters 7 and 11 are reported for 10 years.
Credit accounts may be deleted at different times depending on their status prior to being included in bankruptcy. Bankruptcy isn’t an easy way to escape a bad credit history. It doesn’t erase your credit report so you can start over with a clean slate. It does stop collectors from calling, but creditors stop calling, too.
- Accounts are not removed immediately after bankruptcy
- Accounts in bankruptcy are not deleted immediately
- Accounts in bankruptcy deleted before the bankruptcy public record
- Accounts not deleted when bankruptcy is discharged
- Adding an authorized user who has declared bankruptcy
- Bankruptcy and other negative information is removed automatically
- Bankruptcy and tax liens
- Bankruptcy has greatest impact on scores, collections a close second
- Bankruptcy listed on father’s credit report
- Bankruptcy remains on your credit report for up to 10 years
- Bankruptcy should not appear in joint account holder’s credit report
- Change to bankruptcy law doesn’t affect credit reports
- Getting married when your girlfriend has declared bankruptcy twice
- How you might not qualify for bankruptcy protection
- Marrying a man who declared bankruptcy
- Mortgage cosigner’s credit report not affected by bankruptcy
- Multiple bankruptcies cannot be deleted early
- Qualifying for a home after bankruptcy
- Reaffirming debts will not cause bankruptcy public record to be deleted sooner
- Removing “accounts included in bankruptcy” status from closed accounts
- Tax liens not discharged through bankruptcy
- The difference between default and bankruptcy
- Updating account to show included in bankruptcy
- Updating report to show bankruptcy is discharged
- When chapter 7 bankruptcy is deleted
- Why accounts in bankruptcy continue to be part of your credit report