Lauren Smith, WalletHub Staff Writer
@laurenellesmith
A bankruptcy stays on your credit report for 7 to 10 years. The record of a Chapter 7 or Chapter 11 bankruptcy remains on your credit report for 10 years, while Chapter 13 bankruptcies are typically reported for 7 years from the filing date. However, the impact will lessen over time.
You cannot remove the record of a bankruptcy from your credit report unless the information listed is incorrect. If there is an error on your credit report, you can file a dispute with the three major bureaus to remove the error. The bureaus typically respond to disputes within 30 to 45 days.
You can check your credit report and credit score as well as get personalized credit-improvement tips for free here at WalletHub.
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