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Joined: 08 Feb 2009
Nina97488g's page
Posts: 8

355 Magic Points

Subject: Bankruptcy
Posted on Fri Mar 06, 2009 4:07 pm  

How hard is it to get a bankruptcy off your credit report?

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

123 Magic Points

Posted on Sat Mar 07, 2009 1:35 am  

You can not get a n]bankruptsy off your credit record until the required time has passed. To give you an answer on how long that would be we would need to know the state in which you filed for bankruptsy since all states have different fall off dates.


Joined: 17 Feb 2009
ensurepune's page
Posts: 99

501 Magic Points

Posted on Sun Mar 08, 2009 5:41 am  

How hard is it to get a bankruptcy off your credit report?

It's really hard!!! as the fact you being bankrupt is going to tease you for coming 7 yrs at least. That is for very sure Arrow


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30054 Magic Points

Posted on Mon Mar 09, 2009 6:42 am  

Public records like bankruptcy can never be removed from your credit report. Normally bankruptcy stays in your credit report for seven years. However, it can also stay in your report for 10 years.
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Joined: 26 Jan 2009
cdloanmod's page
Posts: 23
Location: Laguna Hills,CA

792 Magic Points

Subject: RE :Bankruptcy
Posted on Sat May 23, 2009 8:57 am  


According to proponents of the bill, this would urge banks to work out better arrangements with troubled borrowers as an alternative to "http://http// n]bankruptcy". Critics claim, however, that the increase in bankruptcy filings will hike up mortgage rates and be more detrimental in the long run.
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Subject: bankruptcy discharge legal letter
Posted on Sun Jul 12, 2009 11:57 am  

I would like to get it off my credit report its been almost 9 years.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

123 Magic Points

Posted on Tue Jul 14, 2009 1:04 pm  

Usually it will go off in 7 years. I had one years and years ago and it took 10 years for mine to fall off. Why may I ask 9 years? If it does take 10 that is only one year longer. I really believe it will fall off in 7 though.

Joined: 04 Oct 2009
robertsmith's page
Posts: 11

155 Magic Points

Posted on Sun Oct 04, 2009 5:31 pm  


Under which Chapter you have applied for BK?

Pl specify

Joined: 18 Oct 2009
SIA's page
Posts: 62

2524 Magic Points

Posted on Thu Oct 22, 2009 5:52 pm  

If you filed Chapter 13, it should have fallen off already since those come off your report in 7 years. Many people in that situation have the credit reporting agencies do an "investigation" of their report to remove it.

If you filed Chapter 7, then you have two years to wait since those come off your report in 10 years (see Section 605(1) of the Fair Credit Reporting Act).

Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

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