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I would like a full credit report from all of the bureaus but it states it is free once every 12 months. I had a chapter 13 bankruptcy in March of 2012 and March of 2019 will be seven years and I would like to know what negative data will disappear? I am leaning toward waiting but getting anxious as I have rebuilt my credit but that black cloud is still overhead


Hi there - welcome to the NerdWallet Community! :wave:

According to the Fair Credit Reporting Act, a bankruptcy can only remain on your credit for up to ten years after your filing date. However, a Chapter 13 bankruptcy will typically be removed from your credit report after seven years.

As for what you might expect after that time, typically, accounts included in the bankruptcy will fall off of your credit report at the time the bankruptcy falls off. Your credit report should show the bankruptcy but not the debts included as part of the bankruptcy. You should also see the date of removal (the date it will fall off your credit report). You could also see any other debts in negative standing that were not included in the bankruptcy.

Let us know if you have any other questions. :slightly_smiling_face:

This resource has some more info you may find useful:


Adding to what Cori said, you can begin to rebuild credit shortly after you file for bankruptcy. The impact of negative information fades with time, and if you can offset it with positive information, so much the better. If yours was a personal bankruptcy, it should fall off your credit report 7 years after the account first went late (rather than the date of bankruptcy filing). If that does not happen, it’s smart to dispute the information. Here are a couple of NerdWallet resources that may be useful:

Good luck to you and let us know if we can help further.