There is a judgment appearing on my credit report that was included in my bankruptcy. Will it be deleted?
When judgments included in bankruptcy are removed may be different depending on the type of bankruptcy filed. The two most common types of bankruptcy that appear on a credit report are Chapter 7 and Chapter 13.
Deleting judgments included in Chapter 7 bankruptcy
With a Chapter 7 bankruptcy, all debts are forgiven and there is no repayment plan. Chapter 7 bankruptcies are typically discharged within a few months.
If your judgment was included in a Chapter 7 bankruptcy and the judgment is still appearing on your credit report, you can contact Experian to request that it be removed.
Deleting judgments included in Chapter 13 bankruptcy
With a Chapter 13 bankruptcy, you are required to complete a debt repayment plan in order to have your bankruptcy discharged. The repayment plan may take anywhere from 3-5 years to complete, and the judgment will remain on the report until the bankruptcy is discharged.
If your judgment was included in a Chapter 13 bankruptcy and it has already been discharged, contact Experian to request that that the judgment be deleted.
Keep in mind that although the judgment may be removed, the original debt may still appear on your credit report as reported by the lender, but it will be updated to show that it is included in and discharged by your bankruptcy.
Thanks for asking.
The “Ask Experian” team