Is there a way to remove bankruptcy from your credit early? 17 Answers as of September 26, 2011

How long does a bankruptcy stay on your credit? Is there a way to remove it early?

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Breckenridge and Walton
Breckenridge and Walton | Alan D. Walton
No way to eliminate early. It can stay on your record up to 10 years. Most lenders could care less after 3 years.
Answer Applies to: Michigan
Replied: 9/26/2011
Dan Wilson Bankruptcy
Dan Wilson Bankruptcy | Dan Wilson
Not really. Bankruptcy stays on your credit reports for 10 years. However, there are lots of things you can do to improve your credit rating after Bankruptcy. The key is to establish a history of on time credit payments.
Answer Applies to: Colorado
Replied: 9/12/2011
Eranthe Law Firm
Eranthe Law Firm | Cate Eranthe
It stays on your credit report for 10 years and there is no way to remove it "early." You can begin to rebuild your credit within a year and a half after filing by using a secured credit card. Stay away from the high interest, high fee card offers you will get in the mail. You may want to build credit but there is no need to go into debt to do it. A bankruptcy affords a fresh start and it is an opportunity to remain debt free.
Answer Applies to: California
Replied: 9/9/2011
Indianapolis Bankruptcy Law Office of Eric C. Lewis
Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
Bankruptcy can stay on your credit report from 6 to 10 years.
Answer Applies to: Indiana
Replied: 9/9/2011
Paul Stuber, Attorney at Law
Paul Stuber, Attorney at Law | Paul Stuber
The law states that a potential creditor can use the fact that you filed a bankruptcy for ten years after you file. It will not be removed. You can build up your credit score by always paying timely and month by month your score will improve.
Answer Applies to: Colorado
Replied: 9/8/2011
Charles Schneider, P.C.
Charles Schneider, P.C. | Charles J. Schneider
No. It is an industry standard.
Answer Applies to: Michigan
Replied: 9/7/2011
D T Pham Associates, PLLC
D T Pham Associates, PLLC | Duncan T Pham
No. 8 years.
Answer Applies to: Texas
Replied: 9/7/2011
Holmes Law Offices
Holmes Law Offices | Martin M. Holmes
No. Unless the Bankruptcy was dismissed. The Bankruptcy stays on the credit report for 10 years.
Answer Applies to: Michigan
Replied: 9/7/2011
Judith A. Runyon, Esq. Attorney at Law
Judith A. Runyon, Esq. Attorney at Law | Judith A. Runyon
Bankruptcy stays on your credit report for ten years. You can not successfully remove it before that time.
Answer Applies to: California
Replied: 9/7/2011
Rosenberg & Press
Rosenberg & Press | Max L. Rosenberg
Ten years. No time off for good behavior!
Answer Applies to: Connecticut
Replied: 9/7/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    There is no way to remove it early. As I am sure your lawyer told you, it stays there 10 years (unless it is a full pay 13 which stays there 7 years).
    Answer Applies to: Georgia
    Replied: 9/7/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    Bankruptcy stays on your credit report for 10 years. After 10 years it is automatically removed from your credit report.
    Answer Applies to: California
    Replied: 9/7/2011
    G. Anthony Yuthas & Assoc.
    G. Anthony Yuthas & Assoc. | Tony Yuthas
    There are attorneys who claim to specialize in this area. I am not knowledgeable as to this procedure.
    Answer Applies to: Colorado
    Replied: 9/7/2011
    Heupel Law
    Heupel Law | Kevin Heupel
    If you filed prior to 2005, then bankruptcy stays on your credit for seven years. It now reports on your credit for ten years and there is not a way to remove it early. However, most people recover within two years by establishing responsible lines of credit; thereby, making the ten year listing irrelevant.
    Answer Applies to: Colorado
    Replied: 9/7/2011
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    It is there for 10 years.... but you can rebuild your credit. Get a small card and use it carefully.
    Answer Applies to: California
    Replied: 9/7/2011
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    As a public record, it is on your credit for 10 years. No, you cannot have it removed early.
    Answer Applies to: California
    Replied: 9/7/2011
    Law Office of Maureen O' Malley
    Law Office of Maureen O' Malley | Maureen O'Malley
    No. It remains for 10 years.
    Answer Applies to: Virginia
    Replied: 9/7/2011
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