Asked in Bankruptcy for California

Q: I have a discharged bk chp 13 I wanted off my crdit report I dispued it with the agnecies what to do next?

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3 Lawyer Answers
Peter Maurice Lively
Peter Maurice Lively
Answered
  • Bankruptcy Lawyer
  • Culver City, CA
  • Licensed in California

A: The bankruptcy reference will automatically expire on your credit reports after 10 years. I'm not aware of any means of having it taken off your credit report prior to10 years from the petition date.

Theodore Allan Greene agrees with this answer

Aaron Michael Lloyd
Aaron Michael Lloyd
PREMIUM
Answered
  • Bankruptcy Lawyer
  • Redlands, CA

A: A bankruptcy filing is allowed to be reported for up to 10 years. Once that time passes you may dispute it and have a lawyer help you with that.

Disputes are usually reserved for inaccuracies on a credit report. If you have something other than this you want to dispute that you think it inaccurate then you would want to speak to a consumer lawyer that specializes in dealing with the FCRA. The FCRA is the law that governs what can and cannot be reported on consumer credit reports.

I hope that is helpful.

Harlene Miller
Harlene Miller
Answered
  • Bankruptcy Lawyer
  • Irvine, CA
  • Licensed in California

A: I agree with the information provided to you by my colleagues. Since there is nothing you can do to get the bankruptcy off the report, I suggest you attempt to offset the negative by doing things that will help repair your credit. For instance, if you had a car loan that you retained and are continuing to pay, that will be a positive entry on your credit post bankruptcy. Likewise, you can look into getting a secured line of credit from a bank: money is put in a savings account and you can borrow against the value of the funds in the account - which controls spending but provides a way to have some positive reporting on your credit report so long as payments are timely made.

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