Late Payments on Credit Report after Declaring Bankruptcy

woman sitting on the floor surrounded by papers in front of an open laptop
Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?


Dear NPN,

Your credit report is a history of your accounts and payments. Although accounts included in your bankruptcy will no longer show a balance owed, they will continue to show the history of the account, including any late payments made prior to the bankruptcy.

Any late payment history will be deleted seven years from the original delinquency date, which is the date the account first became late and after which was never again current.

Accounts that were current and never late prior to being included in bankruptcy will remain on your report for seven years from the date the bankruptcy was filed.

Bankruptcy public records remain for seven years if you declare Chapter 13 bankruptcy and for 10 years if you declare Chapter 7 bankruptcy.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.