Hi,
I already know that my bankruptcy was discharged back in Feb 2000. I need to know if this can be removed off my credit reports since it has been over 8 years?

The seven year term is calculated from the last date the account was reported.

It is not just automatically seven years.

If a creditor is willing to keep reporting the account, it could stay on the bureau indefinitely.

Check the "date reported" on any accounts that are still showing the bankruptcy, if the date reported is more than seven years ago, you should contact the credit bureaus and find out exactly what their policy is to have incorrect information removed.

In the US, bankruptcy shows up for 10 years just like most judgements, they do not follow the 7 year rule like regular debts.

JTerry,

A Chapter 7 CAN stay on your credit report for 10 years post discharge and a Ch. 13 for 7.

If it has been longer than that, write a letter to the credit reporting agencies (Trans Union, Experian and Equifax) and ask it be removed.

LG

Bankruptcy – Chapter 7, 11, and 13 bankruptcies remain on your credit report for 10 years after the filing date. Chapter 13 bankruptcy records are sometimes removed after 7 years from the filing date based on the credit reporting agency policy. When you file for bankruptcy, all the accounts included should be marked as "Included in BK" and will each stay on your report for 7 years.

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