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Bankruptcy Credit Report Expiration

When you file for bankruptcy, the record of your filing is not on your credit record forever. Under the Fair Credit Reporting Act (as amended October 2001), bankruptcy records expire from your credit reports after 10 years. Some credit reporting agencies have an unofficial policy of removing Chapter 13 bankruptcy records from your report after 7 years.

In your credit report, debts which were included in your bankruptcy expire independently of your bankruptcy filing. After you file for bankruptcy, you will see that each of the files marked as "Included in BK" on your credit report are creditors which were included in your bankruptcy. The designation of "Included in BK" will remain up to 7 years from your filing date.

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