How long does a bankruptcy stay on my credit report?

A bankruptcy generally affects a debtor's credit report for 7 to 10 years. However, this depends entirely on the individual credit reporting agency. The Bankruptcy Court has no influence on the type of information the credit bureaus report, nor how long they keep it in their records.

If you are interested in pulling a credit report for yourself, you should visit the website:

www.annualcreditreport.com.


Under a new federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three credit reporting agencies. Each agency's report on your credit may contain information from different creditors. To receive a free annual credit report, you can call or send a written request to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
1-877-322-8228
You can also contact the credit reporting agencies directly at:
Equifax - www.equifax.com / 1-800-685-1111
Experian - www.experian.com / 1-888-397-3742
TransUnion - www.transunion.com / 1-800-916-8800

This Q&A was found on U.S. Bankruptcy Court, Middle District of Tennessee : http://www2.tnmb.uscourts.gov/modules/faq/faq.php?faqid=18