How do I get a bankruptcy case removed from my credit report?


The bankruptcy court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 15 U.S.C. Section 1681(c) provides that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed. Other bad credit information is removed after seven years.

For information on re-establishing credit and addressing credit problems, contact the Federal Trade Commission (FTC), Consumer Response Center, 600 Pennsylvania Ave. NW, Washington, D.C. 20580.  The toll-free FTC help-line number is 1-877-382-4357, and the FTC website is located at

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