Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.

Bankruptcy courts keep cases active for a period of two years before placing them on microfiche.

If your Chapter 7 bankruptcy has aged at least 27 months since the date of discharge, your in a great position to make it disappear forever.

Simply file disputes with the credit bureaus indicating that your bankruptcy was a Chapter 13 and not a Chapter 7.

You need not provide any documentation to support your dispute, the burden of proof is on the credit bureaus in obtaining verification from the government.

Bankruptcy courts do not respond to requests for verification on cases which have been archived to microfiche, as a result the credit bureaus are required by law to delete the bankruptcy permanently. Learn More