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Bankruptcy removed from credit

Established Member

Bankruptcy removed from credit

can someone help or give me tips on how to remove bankruptcy from my credit. it will be very helpful.Thanks alot 

Message 1 of 6
Frequent Contributor

Re: Bankruptcy removed from credit

it'll be gone in ten years max,depending if it was chapter 7 or 13 no way to have it removed early as you did file. It may be removed a handful of months before that 10 years but not before that.

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 654 TU 650 Ex 651
Fico 4 TU 679 Fico 5 692 Fico 2 634
Message 2 of 6
Established Contributor

Re: Bankruptcy removed from credit

Wait 10 years from filing for a BK7 or

Wait 7 years from filing for a BK13

Message 3 of 6

Re: Bankruptcy removed from credit

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Message 4 of 6
New Contributor

Re: Bankruptcy removed from credit


Check out Credit Reporting After Chapter 13 posting chain from last year. Several examples including mine. I can't remember whether EX or TU came off first after 6 yr and 6 mo after filing (6 mo early), then the other at 6 yr mo and 9 mo (3 mo early). I do remember EQ refusing to come off early but did drop off a little less than a month from 7 yr window. This link will show the successful and not so successful strategies used in the last year or two. Do not believe anyone that says you can get a discharged BK13 off before 7 yrs after filing. Seems they do sometimes drop off mysteriously, but I haven't seen that tied to anyone's action, intentional or not.


Good luck!


BK13 filed 11/2013 discharged 6/2019
Oct 2019 EQ 672 TU 643 EX 663
Mar 2021 EQ 850 TU 837 EX 839
Message 5 of 6
Frequent Contributor

Re: Bankruptcy removed from credit

If you filed a Ch 7 - 10 years from discharge. You can search the term early exclusion - plenty of threads here about it.

In the garden until Summer 2021
Message 6 of 6
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