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Discharged Bankruptcy

While declaring bankruptcy can relieve you of the responsibility of paying debts, it does not wipe the slate clean.

What is a Discharged Bankruptcy?

A discharge in bankruptcy permanently releases the debtor from obligation to pay certain types of debts.

How Long Does a Bankruptcy Stay on Your Credit Report?

  • Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date.
  • Chapter 13 bankruptcy will cycle off your credit report in 7 years after the filing date.

How Long Do Discharged Accounts Stay on Your Credit Report?

Delinquent accounts that are discharged during a bankruptcy will appear on your credit report for seven years from the date they were first reported delinquent.

Account Reported as Potentially Negative after Bankruptcy

January 16, 2013

Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since...

Discharged Bankruptcy Still Affects Credit Scores

August 15, 2012

Dear Experian, Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score? - ADZ

Updating Credit Report to Show Bankruptcy is Discharged

April 25, 2012

Dear Experian, My bankruptcy was discharged one to two months following when it was filed. This would have been around September 2005. It still shows the bankruptcy is not discharged...

Updating Bankruptcy Information

August 31, 2011

Dear Experian, After a bankruptcy discharge the creditors usually update their entrances, so the debt shows as discharged in bankruptcy. However, they don't always do that. Can I send you...