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Ask the Experts

Ask The Experts

How do I remove bankruptcy from my credit history?

More than nine years ago, I filed for Chapter 7 bankruptcy. My question is how can I get this off my credit history once I hit the ten year period? Can I hire your services to do this? Please let me know. Thank you. -Jose

Dear Jose,

To get the bankruptcy off your credit history, all you have to do is wait. The Fair Credit Reporting Act dictates that a bankruptcy stay on your credit report for up to ten years. When the ten years is up (and yours almost is), the bankruptcy notation should come off the report automatically. To verify that this has been done, you may want to pull a copy of your credit report. MMI recommends that you review a copy of your report annually anyway.

One last note: You should not have to hire anyone to help with credit reporting issues. Be wary of companies that try to sell you credit repair services!

The Advice Team

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