It's been 10 years

[Anonymous]

Its been ten years since my chapter 7 bankruptcy but it still has not come off my credit report. What can I do

[thornback]

Hi QTee - welcome to the forums!

If it's already been 10 years from the filing date, you can simply file a dispute with each credit bureau requesting removal due to the reporting statute.   

If you're still a few months away from the 10 years, then you can try requesting an Early Exclusion from each bureau by calling them --  Transunion will often remove 6 months early upon request; Experian is 3 months early; and Equifax is 1 month early.

[pizza1]

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@Anonymous wrote:
Its been ten years since my chapter 7 bankruptcy but it still has not come off my credit report. What can I do

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Welcome to the forums OP!

The 10 yrs goes from FILE date, not DC date. So, depending on the year you FILED,  then you can request EE (early exclusion). 

The following CRA will delete early 

EQ- (1-2 months)

TU- (6 montns)

EX- (3 months)

If its already been past the file date adn its still on there, call them asap, or dispute online as too old,  and tell them you want it removed, and its been past 10 yrs, and should be off now.