How can I remove debt from my credit report?

The bankruptcy court has no power regarding what goes on an individual's credit report. However, the law provides that bankruptcy filings are not permitted on credit reports ten years after the date bankruptcy was filed. Bad credit is removed within seven years.

Three major credit bureaus moderate debts that display on one's credit report: Equifax, Transunion and Experian. If you see an error on your credit report you must contact the credit bureaus directly to resolve. Provisions in the Fair Credit Reporting Act regulate how the credit bureaus operate.

According to the Eastern District Court of North Carolina U.S. Bankruptcy Court, "The larger credit reporting agencies belong to an organization called the Associated Credit Bureaus. The policy of the Associated Credit Bureaus is to remove chapter 11 and chapter 13 cases from the credit report after seven years to encourage debtors to file under these chapters."

Remember, not all debts are removed through bankruptcy. Learn more about the debts removed by bankruptcy.