Can A Bankruptcy Be Removed From My Credit Report?

Removing a bankruptcy from your credit reports is somewhat complicated because bankruptcy is a legal action which dismisses you in part or in whole from your debts. A Chapter 7 bankruptcy proceeding stays on your credit reports for 10 years. A Chapter 13 bankruptcy proceeding remains on your credit reports for 7 years. After you file bankruptcy to make sure all of your creditors and accounts which were included in the filing are listed on your credit reports as “included in bankruptcy.” If not, the creditors, late accounts, collection accounts and charge-off accounts will continue to be listed as due and owing and will severely lower your credit score.