Credit Advice » Report Advice » Report Details » Judgments » Can judgments included in bankruptcy be deleted?

Can judgments included in bankruptcy be deleted?

Dear Experian,

There is a judgment appearing on my credit report that was included in my bankruptcy. Will it be deleted?

– JMV

Dear JMV,

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

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free
Get Your Free Credit Report

View your free Experian Credit Report every 30 days on sign in.

No credit card required.

Get Started for Free

5 Budget-Friendly Ways to Give Back

As the holiday season ramps up, Americans often increase their charitable giving. Here are five ways to give to others while still staying on budget.