Can you get rid of a bankruptcy record immediately? 15 Answers as of May 29, 2013

How long do I have to wait?

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Bankruptcy Law office of Bill Rubendall
Bankruptcy Law office of Bill Rubendall | William M. Rubendall
Bankruptcy stays on your credit report for 10 years. At the end of that time it automatically drops off.
Answer Applies to: California
Replied: 6/19/2012
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
No, it is there for 10 years, but you can improve you score in much less time. Anyone who says they can get rid of it are engaged in fraudulent scheme.
Answer Applies to: California
Replied: 6/19/2012
Debt Relief Legal Clinic | Daniel J. Wiedecker
The Fair Credit Reporting Act (FCRA) provides creditors the right to report a bankruptcy discharge of a debt owed to them for 10 years following the filing date. Once a discharge has been received, a petitioner should undertake steps to maintain ongoing payments for recurring expenses (utilities, cable, cellular services), and any new debts (reaffirmations, installments on new debt following a petitioner's filing) to maintain a household to ensure their are no ongoing 'dings' against the credit report (free credit reports at www.annualcreditreport.com). Most bankruptcy attorneys do not advise on the FCRA, as pursuing creditors for improper credit reporting issues is not really a bankruptcy issue (except for pre-petition 'abuses' that could have resulted in a potential lawsuit). There are services in the industry (www.askrondi.com is an example of one) that propose to assist in rebuilding credit reports, even immediately following a bankruptcy. Be extremely careful to evaluate any service before retaining for use, and investigate to ensure there are no complaints with the local Better Business Bureau.
Answer Applies to: California
Replied: 6/18/2012
Rosenberg & Press
Rosenberg & Press | Max L. Rosenberg
No. 10 years from filing.
Answer Applies to: Connecticut
Replied: 6/18/2012
The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
It will be on your record for 10 years.
Answer Applies to: New York
Replied: 5/29/2013
    Olson Law Firm | Edward M Olson
    No. You should expect that your bankruptcy will be on your credit report for seven to ten years.
    Answer Applies to: Michigan
    Replied: 6/18/2012
    Norman Linder Hull, P.A. | Norman L. Hull
    A bankruptcy filing will usually remain on you credit report for 7 years. However, if you pay your bills timely, you should be a better credit risk than before.
    Answer Applies to: Florida
    Replied: 6/18/2012
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    What do you get rid of it immediately. The bankruptcy courts keep the record forever.
    Answer Applies to: Michigan
    Replied: 5/29/2013
    Attorney At Law | Harry D. Roth
    No. The fact of the filing remains publicly available forever and on your credit report for 10 years. However, there is life after bankruptcy, including a credit life.
    Answer Applies to: California
    Replied: 6/18/2012
    Steven Alpers | Steven Alpers
    Bankruptcy stays on your record for 10 years.
    Answer Applies to: California
    Replied: 6/18/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    Bankruptcy stays on your credit for 10 years from the date that it was filed.
    Answer Applies to: Arizona
    Replied: 6/17/2012
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