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Bankruptcy public record is deleted from the credit report either seven years or 10 years from the filing date of the bankruptcy, depending on the chapter you filed. Chapter 13 bankruptcy is deleted seven years from the filing date because it requires at least a partial repayment of the debts you owe.

Any questions or concerns please contact our Customer Care Department at(442) 229-5480


There is no way to underestimate the impact a bankruptcy has on your credit. It is one of the worst things you can do to your scores. The exact effects will vary, but according to major credit scoring model FICO, bankruptcy can make your a good credit score (think 700 or above) plummet by 200 points or more. Meanwhile, a less stellar credit score of 680 will drop about between 130 and 150 points.


Having bankruptcy information listed on your credit report will impact your credit for quite some time. That’s because the public record of a Chapter 7 bankruptcy stays on your credit report for 10 years. Any other bankruptcy references remain in your credit file for seven years including:

  • Chapter 13 public record items
  • Any accounts included in a bankruptcy
  • Third-party collection debts, judgements and tax liens discharged through a bankruptcy


When rebuilding your credit after a bankruptcy, remember that time is on your side. Bankruptcy information will be considered in your credit scores for as long as it appears on your credit report, but its impact on your score lessens over time. In fact, you may even see your score start to improve a bit shortly after the bankruptcy hits your report. That’s because you technically no longer owe the debts that got discharged, which could help your credit utilization rate (how much debt you’re carrying versus your total credit limits). FICO estimates that it would take roughly 5 years for a person with a 680 credit score at the time of the bankruptcy to return to that score — assuming they start instituting better credit practices, of course.

Once the bankruptcy information is removed from your credit report altogether, it will no longer factor into your credit scores.


To rehabilitate your credit after a bankruptcy, consider taking the following steps:

  • Check that the bankruptcy was reported correctly. Pull your Full Credit Reports and be sure that all the debts that were part of the bankruptcy filing are marked as discharged and with a zero balance.
  • Get a new starter line of credit, like a secured credit card or credit builder loan to build a new positive payment history. You can do so by making on-time payments on that credit card or loan account and keeping your debt levels low.
  • Monitor your progress. You can see how you are doing as you work to rebuild your scores by using’s free credit report snapshot.

Finally, you’ll want to make sure that the bankruptcy and any items related to it are removed from your credit reports as soon as you hit that 10-year or 7-year mark.

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If your looking to improve your financial situation, then we’d like to help. Whether it’s personals credit or business credit we have proven solutions that scale to your needs. Call us today!

It depends. We are able to get negative items deleted because the credit bureaus are responsible for maintaining accurate records and the government sets up laws to help you hold the bureaus accountable. Deleting negative items is not about whether or not you actually owe on that debt, but if the bureaus are accurately recording that debt. If there are inconsistencies then we are likely able to get that debt removed.

We have helped thousands of people improve their credit and qualify for new homes, cars and other loans. We have a 4.8 out 5 star rating from over 2000 reviews on our Facebook page. And we are committed to delivering Top Flight service to all out customers.

Although we can not​ ​guarantee​ ​that we can remove​ ​any​ ​specific​ ​items,​​ ​we​ ​can​ ​guarantee​ ​that ​your​ ​credit​ ​report​ ​and​ ​FICO score​ ​WILL​ ​improve​ ​or​ ​we​ ​will​ ​grant​ ​you​ ​a​ ​100%​ ​refund.​ ​There is nothing to lose, book your free consultation NOW!

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