I wouldn't worry that the old bankruptcy would have any effect on your present credit rating- it clearly would not affect your credit rating.

Answer Applies to: Minnesota
Replied: 12/27/2011

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It should be removed given the age of the bankruptcy. You should dispute the note with all three credit bureaus.

Answer Applies to: Colorado
Replied: 12/27/2011

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No. Depending on the Chapter, the adverse credit report should be removed after 10 years. You can file a request in writing disputing the report and it should be removed.

Answer Applies to: North Carolina
Replied: 12/27/2011

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A chapter 7 bankruptcy should appear on your credit report 10 years from day of filing; a chapter 13 should appear for 7 years.

Answer Applies to: Texas
Replied: 12/23/2011

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Generally, a chapter 7 bankruptcy can be removed after 10 years from the time it is placed on the report. The time runs not from the time of the bankruptcy, but from the time it is actually reported to the credit agencies. If it has been on the report for more than 10 years, failure to remove it might be a violation of the Fair Credit Reporting Act.

Answer Applies to: New Jersey
Replied: 12/22/2011

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A bankruptcy stays on your credit report for 10 years and then automatically drops off. Contact the credit bureaus in writing to dispute this erroneous credit reporting.

Answer Applies to: California
Replied: 12/22/2011

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That is not true. Bankruptcies can only remain and be reported for 10 years. The credit reporting agency must remove it.

Answer Applies to: Utah
Replied: 12/22/2011

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It should only be on credit for 10 years,, write letters to each credit reporting agency disputing that entry. You may have to send several letters to get it removed.

Answer Applies to: New York
Replied: 12/22/2011

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Bankruptcy is reported up to ten years. If a creditor is still reporting a debt discharged 20 years ago, your first step is to file an objection with each of the three credit reporting agencies.

Answer Applies to: Maryland
Replied: 12/22/2011

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It should be removed 10 years after your discharge. Write to the credit bureau that is reporting it to contest the matter. You must make a written request to have it corrected.

Answer Applies to: California
Replied: 12/22/2011

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You must get a copy of your credit report from all three major credit bureaus, Experian, Equifax and Transunion. You have the right to receive a free credit report once a year from each of the three bureaus. You can only do this at the govt website: www.annualcreditreport.com You must see which of these three is reporting the bankruptcy, then write to them (You cannot just callyou must send your request/complaint in writingAt the very end of your credit report they will list the address where you can write to dispute inaccurate information)and explain that you filed 20 yrs ago and thus all reference to that bankruptcy should be removed from your credit report. Attach any evidence, like a copy of your discharge or notice of filing. They have 30 days to respond to you. They will then investigate and remove the bk reference from your credit report if what you are saying is correct. A chapter 7 bankruptcy can stay on your credit report 10 years, a chapter 13 stays on your credit report 7 years. Good Luck.

Answer Applies to: California
Replied: 12/22/2011

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In response to a proper challenge to inaccurate or outdated information, credit bureaus must respond in accordance with the requirements of the Fair Credit Reporting Act or remove that notation i altogether.

Answer Applies to: Illinois
Replied: 12/21/2011

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Request a copy of all three of your reports (EquiFax, Experian, and TransUnion) if the bankruptcy appears under Public Records, file a formal request for removal. Each reporting agency at the end of the credit reports will have instructions attached.

Answer Applies to: Ohio
Replied: 12/21/2011

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That should be gone if it was 20 years ago. You need to start the dispute process on that. The Internet is full of instructions on how to file a dispute with a credit reporting agency.

Answer Applies to: California
Replied: 12/21/2011

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The bankruptcy filing information should not be on your credit profile for more than 10 years. I would contact the credit bureau and complain.

Answer Applies to: California
Replied: 12/21/2011

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That it cannot be removed is false and write to them and demand it be taken off

Answer Applies to: Georgia
Replied: 12/21/2011

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Bankruptcies must be removed from a credit report ten years after the date they were filed. It is highly unlikely a credit reporting agency will mess that up, but if they did, one letter to the credit bureau should fix it. Your letter must be in writing. Instructions of where to send it are on your credit report.

Answer Applies to: Georgia
Replied: 12/21/2011

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I cannot imagine why a bankruptcy proceeding filed 20 year ago that dischargedis still on your credit report.

Answer Applies to: Florida
Replied: 12/21/2011

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You should contact the three major credit reporting agencies and ask them to remove it from your credit report. You may have to submit a request in writing to them along with a copy of your discharge order.

Answer Applies to: New York
Replied: 12/21/2011

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Only after 10 years unless there is a mistake

Answer Applies to: California
Replied: 12/21/2011

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A bankruptcy stays on your credit for 10 years. Then it should come off automatically. Failure to remove it from your file is a clear violation of the Fair Credit Reporting Act. Send a certified letter to each Credit Reporting Agency that is reporting this age out information. Demand that they remove it. If they fail to do so and also to send you a copy of the corrected report, sue them.

Answer Applies to: Ohio
Replied: 12/21/2011

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Information should come off your credit in 10 years.

Answer Applies to: California
Replied: 12/21/2011

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Your bankruptcy is not to be reported for more than 10 years if you are attempting to obtain credit of less than $75,000.00. I don't know of any limitation beyond that.

Answer Applies to: Minnesota
Replied: 12/21/2011

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They have to remove it after 10 years. Call the credit unions or send them a demand letter.

Answer Applies to: Florida
Replied: 12/21/2011

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A credit bureau can report public records for 10 years. A Bankruptcy is a public record. If they do not remove it if it has been closed for more than 10 years, then it can be a violation of the Fair Credit Reporting Act and can be sued under that law.

Answer Applies to: California
Replied: 12/21/2011

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