How do I get a bankruptcy off my credit report?

I know that even after it's discharged it stays on my report for 7-10 years, but what determines if it's the 7 the full 10, or somewhere in the middle?





Can I write to the credit bureau's to have it removed or the court where it was filed; it was discharged in 1999.

How do I get a bankruptcy off my credit report?
Big Red is correct on this one.





It is difficult to remove a bankruptcy from your record. In order for the credit bureau to remove it, the report must be inaccurate, and/or the creditor does not respond back to an investigation request.





In the case of a BK, it's a public record easily verified through PACER, an on-line database listing all bankruptcy filings. If you send in a dispute, they simply look it up on-line and it will stay on your report. it stays for 10 years from the date of the discharge (in the case of a BK7).





Your only hope is the fact that the credit bureau is getting totally swamped with dispute investigations, and many times they don't have the manpower and ability to check. If it's not verified within 30 days they must delete the entry.





The court will not remove this record, so don't even waste the cost of a stamp asking them.





Your best bet in repairing your credit is to start immediately in doing things that will improve it. There is a great site that has a lot of education info and newsletters showing you how to do it....it's a free site but they do sell stuff here. I'm not passing spam, just pointing out a good source of information. I am not associated with this group at all.
Reply:You have to contact the credit bureaus in order to have it removed from your reports. They may make you put your request in writing. In order to find out how long it will be on your credit, you must contact the court where you filed.
Reply:The credit bureaus keep your personal credit history for periods between 7 and 10 years:


Unpaid Tax Lien - Indefinitely


Chapter 7 Bankruptcies - 10 years from date filed.


Public Records - 7 years from the date of payment;


Closed or Inactive Accounts - 10 years from the date of last activity;


Derogatory Accounts - 7 years from the date of original delinquency;
Reply:I believe it depends on the state you live in.