Credit Card Center Advertiser Disclosure

New Member
Posts: 4
Registered: ‎02-21-2009
0 Kudos

bankruptcy discharge

A filed for bankruptcy in 1999 and it was discharged in June 2001 - does anyone know when this comes off of your credit report and when it stops affecting your report. That's if it ever does stop affecting your report.


Any input is appreciated.




Super Contributor
Posts: 6,211
Registered: ‎09-18-2007
0 Kudos

Re: bankruptcy discharge

I beleive it is either 7 years or 11 years depending on the chapter 7 or chapter 11. Not sure, I think it is 11 years from discharge date.
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0 Kudos

Re: bankruptcy discharge

Hello viafortuna, and welcome to the forums. Please read Credit Scoring 101, if you haven't already.

BK13 is 7 years and BK7 is 10 years from your file date, I believe it to be file date vs discharge date. I will double check this.
Do what is true in spite of the consequences--your future is only as true as you are.
New Member
Posts: 4
Registered: ‎09-06-2007
0 Kudos

Re: bankruptcy discharge

Hi CG,  BK will come off your CRA's in 10 years after discharge.  The further away (in time) that you get from discharge date, the less impact it has on your scores. My BK discharged in 7/2000 and the scores have gradually come back up.  I expect a big bump up in July next year.  Good luck!   


Rick M.

Equifax:   706

Experian: 714

TU:          703

New Contributor
Posts: 57
Registered: ‎02-23-2009
0 Kudos

Re: bankruptcy discharge

I filed for BK back in Sept 1999, and it is due to drop off my reports in Aug. 2009.
Your Latest FICO® Scores
TransUnion670Date: 4/16/2009
Equifax650Date: 4/16/2009
TransUnion662Date: 7/3/2009
Equifax673Date: 7/3/2009

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.