A consumer credit report may include Chapter 7 and Chapter 13 bankruptcy information for ten years from the time the case is filed. One major consumer credit reporting agency is said to remove Chapter 13 information after only seven years, but it is not legally required to do so. Most other credit information can be included in a consumer credit report for seven years.

Federal law permits creditors to report credit activity for up to seven years. Bankruptcies, however, are permitted to be reported for up to ten years.

Your name, current and previous addresses, phone number, Social Security number, date of birth and current and previous employers. Your spouse's name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.

The results of your bankruptcy case will be part of your credit record for ten (10) years. The ten years are counted from the date you filed your bankruptcy. This does not mean you can't get a house, a car, a loan, or a credit card for ten years. In fact, you can probably get credit even before your bankruptcy is over! The question is, how much interest and fees will you have to pay? And, can you afford your monthly payments, so you don't begin a new cycle of painful financial problems.

This question comes up all the time, and it is perhaps the most confused area in all of Bankruptcy. There will be an entry on your credit report showing "Bankruptcy" and showing the date you filed. It will remain on your credit report for 10 years. (7 years in the case of a Chapter 13 bankruptcy) This is so, because the credit reporting agencies are allowed by law to report your bad credit information for up to 10 years.

The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit reporting agencies. The law states 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.

We will maintain a debtor database for several years. If you have opted to report to the credit bureaus we will maintain that database for up to seven years. We are responsible to respond to any disputes by the debtor and we will continue to update the debtor profile and email you any changes. Additionally, because the debtor database is maintained, you are able to log in and update the account as to correspondence, change in balance or address and even send an additional set of letters.

The fact that an individual filed bankruptcy can remain on a credit report no longer than 10 years under provisions of the Fair Credit Reporting Act. While the information presented above is accurate as of the date of publication, it should not be cited or relied upon as legal authority. It is highly recommended that legal advice be obtained from a bankruptcy attorney .

This depends on the type of bankruptcy you filed. Chapter 7, 11 and 12 bankruptcies stay on record for about ten years, whereas Chapter 13 bankruptcies stay only for seven years.

Negative information, like late payments, stay on your credit report for a maximum of seven years. This allows you to start on cleaning slate and stop your past from dousing your chances of gaining credit in the future. Contrarily, and fortunately, all positive information will stay on your report for an indefinite time.

The report contains consumer claim information provided by insurance companies. It includes policy information such as name, date of birth, and policy number, claim information such as date of loss, type of loss and amounts paid, and a description of the property covered. For homeowner's coverage, the report includes the property address and for auto coverage, it includes specific vehicle information.

Personal identifying information, collected from the information the consumer provides when applying for credit. This typically includes name, date of birth, Social Security number, name of spouse (if married), current and previous addresses and current and previous employers. Credit payments and history, as reported by the companies that extend the credit.

The IDS system pulls a credit report on behalf of the SPL from the bureau selected by the SPL. When the debtor logs in to settle the debt, their credit report is pulled in real-time for use in Decisioning Intelligence. It depends. If the SPL sets the credit report age to zero, then a new credit report will be pulled every time the IDS system uses Decisioning Intelligence to create a set of settlement offers to the debtor.

Generally, information is reported for up to seven years, however bankruptcy information, can be reported for up to 10 years.