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  1. #1
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    Nov 2017
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    Removal of bankruptcy from credit report

    California

    My bankruptcy was finalized in Sept of 2010 in California. I know they can keep it on my credit report for 10 years. Who do I contact to ask if they will remove it now that it's been 7 years? Thanks!


  2. #2
    Join Date
    Jan 2005
    Location
    California
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    Quote Originally Posted by litisk View Post
    California

    My bankruptcy was finalized in Sept of 2010 in California. I know they can keep it on my credit report for 10 years. Who do I contact to ask if they will remove it now that it's been 7 years? Thanks!
    You don't have to contact anyone. It stays on your report and, in three years, it will fall off, just like it's supposed to.


  3. #3
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    May 2017
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    Was it Chapter 7 or 13? 13 is supposed to drop off in 7 years. 7 in 10.


  4. #4
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    Aug 2015
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    Phoenix, AZ
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    Quote Originally Posted by litisk View Post
    California

    My bankruptcy was finalized in Sept of 2010 in California. I know they can keep it on my credit report for 10 years. Who do I contact to ask if they will remove it now that it's been 7 years? Thanks!
    It isn't coming off.

    On the bright side, a 7 year old bankruptcy is a lot less damaging after all that time.

    However, if your credit score is still very low, you might have other negative entries that are doing it.


  5. #5
    Join Date
    Jan 2007
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    Michigan
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    29,262
    Quote Originally Posted by adjusterjack View Post
    It isn't coming off.

    On the bright side, a 7 year old bankruptcy is a lot less damaging after all that time.

    However, if your credit score is still very low, you might have other negative entries that are doing it.
    Wrong. A Chapter 13 bankruptcy is removed from credit reports after 7 years and a Chapter 7 bankruptcy is removed from credit reports after 10 years, as PayRollHRGuy already noted.


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