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Removal of bankruptcy from credit report

litisk

Junior Member
#1
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!
 

Zigner

Senior Member
#2
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.
 

adjusterjack

It's a Dry Heat
#4
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.
 

quincy

Senior Member
#5
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.