Credit Report Information and Disputes

The U.S. Bankruptcy Court does not report to credit agencies. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. Bankruptcy records are public records unless sealed, and all information contained in them can be retrieved by anyone, including credit reporting agencies. Any disputes with a credit agency must be resolved by the debtor and that agency.

All bankruptcy case filings appear for 7-10 years from the date the case was filed on a credit report. Federal Law 15 U.S.C. §1681c, “Requirements relating to information contained in consumer reports,” provides information regarding bankruptcy cases and what can be disclosed.

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CREDIT REPORT INFORMATION

For more information about credit reports, click here.

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