How to Remove Bankruptcy from Your Credit Report

Published on June 16, 2021

Bankruptcy is an unfortunate last resort people take to protect their assets from collection. It’s best to avoid it whenever possible, but sometimes it’s the only option. If you’re wondering how to remove bankruptcy from your credit report, here’s a clear answer.

Removing and understanding Bankruptcy

Only incorrect listings of bankruptcy can be removed from your credit report. If one has appeared on your history, you can contest it with the credit bureau that issued the report.

This process can be difficult because it’s your responsibility to prove it’s not correct. You’ll need to send off copies of documents that prove you never declared bankruptcy, and the bureau will open the dispute and investigate it.

Of course, if you have actually declared bankruptcy, it’ll stay on your account. One option is to hire a credit repair company to manage everything for you. They can open disputes and advise you on how to tackle issues like bankruptcy.

How Long does a Bankruptcy Stay on my Credit Report?

Depending on the type of bankruptcy you file, it can stay on your report for up to 10 years. Chapter 7 bankruptcy, for example, will stay on there for 10 years, while Chapter 13 will stay on there for 7 years.

These figures are the legal maximum, but a bankruptcy filing can be taken off before these deadlines. However, for this to be the case, it needs to be misreported or inaccurate. You can’t ask for it to be removed if it’s true.

How does Bankruptcy Affect my Credit Score?

Bankruptcy is one of the most significant factors on a credit score. After all, it’s the official final option if your debt obligations are too much to handle. The actual impact depends on several factors, including your credit score before bankruptcy.

The points drop can be anywhere from 130 to 240 depending on how good your score was. The higher your starting score, the more significant the drop will be. Either way, you’ll likely end up in the poor category.

This then has a knock-on effect when it comes to applying for other forms of credit in the future. You’ll be more likely to be rejected for personal loans, mortgages, and credit cards. If you are accepted, you’ll have much higher interest rates.

Rebuilding your credit score after filing for bankruptcy is vital. One of the clearest options for doing so is with a credit repair company. While they can’t remove the bankruptcy filing from your history, they can advise you on the easiest way to rebuild it.


It’s an unfortunate fact that bankruptcy filings can’t be removed from your credit history unless they’re wrong. However, a small consolation is that they’re not permanent, even if 10 years feels like a long time. Your options will be more limited in the earlier stages but will get easier as you move away from the original filing date.
There are a few other options for removing a bankruptcy from your credit report, which you can find here.

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