Ask The Get Out of Debt Experts Bankruptcy Related Credit Report / Credit Score

Is Debt Included in Bankruptcy Removed From My Credit Report? – Dave

“Dear Steve,

I have most unsecured credit card debt from major banks. Approximately $70,000.

If one does file Chapter 7 bankruptcy, would that immediately remove all past due accounts, defaulted accounts, accounts in collection, etc. from my credit report?

I know that normally negative credit items usually remain on one’s credit reports for up to 7 years.

BUT if they were discharged through bankruptcy, would that mean they would ALSO be removed immediately from my credit reports ?



Dear Dave,

No. Your past history would continue to be reported for seven years from the date each account was first reported delinquent.

However it is a relatively easy matter of rebuilding your credit following bankruptcy, Read this guide.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

See also  How Do I Repair My Credit After Debt Settlement Lowered My Credit Score? - Dominic

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Leave a Comment

Scroll to Top