{"id":286815,"date":"2021-01-27T10:13:19","date_gmt":"2021-01-27T15:13:19","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/after-bankruptcy\/can-you-legally-remove-bankruptcy-from-a-credit-report.html"},"modified":"2025-08-15T13:09:09","modified_gmt":"2025-08-15T18:09:09","slug":"can-you-legally-remove-bankruptcy-from-a-credit-report","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/after-bankruptcy\/can-you-legally-remove-bankruptcy-from-a-credit-report.html","title":{"rendered":"Can You Legally Remove Bankruptcy From a Credit Report?"},"content":{"rendered":"\n
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Can You Legally Remove Bankruptcy From a Credit Report?<\/h1>\n\n
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\n By Christie Nicholson, J.D.<\/a> | Legally reviewed by Jordan Walker, J.D.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n\n\n

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Key Takeaways<\/h2>\n

In most cases, you cannot legally remove a bankruptcy filing from your credit report. Under the Fair Credit Reporting Act, Chapter 7 bankruptcy can remain for up to ten years, and Chapter 13 bankruptcy typically up to 7 years. You can dispute errors and have them corrected or removed. Check your annual credit reports for inaccuracies, file disputes with the bureaus, and ask creditors to update records. Consider consulting a\u00a0bankruptcy attorney<\/a>\u00a0if you suspect identity theft or persistent reporting errors.<\/i><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n

While there are a handful of situations in which you can legally remove the public record of your Chapter 7 or\u00a0Chapter\u00a013 bankruptcy\u00a0from your credit report, they are rare. If you\u00a0filed and completed a personal bankruptcy, expect it to\u00a0remain on your credit report for up to ten years.<\/p>\n

This article will\u00a0explain how a\u00a0bankruptcy filing<\/a>\u00a0impacts your credit score and credit report. It also examines and discusses\u00a0the process for removing inaccurate or invalid bankruptcy records from your credit report.<\/p>\n

Credit Reporting Agencies\u00a0and\u00a0Your Bankruptcy Filing\u00a0<\/h2>\n

Whenever someone opens a new credit card or takes out a personal loan, the lender reports the information to the three main\u00a0credit reporting\u00a0agencies.\u00a0These agencies are:<\/p>\n