Please keep in mind that the Bankruptcy Court has no jurisdiction (i.e., power) over credit reporting agencies. However, pursuant to the Fair Credit Reporting Act (FCRA), 6 U.S.C Section 605, credit reporting agencies may not report a bankruptcy case on a person’s credit report after ten years from the date the case is filed. Other negative credit information is removed after seven years.
The Federal Trade Commission, Bureau of Consumer Protection can provide further information on reestablishing credit and addressing credit issues.
If you would like to to view your credit report for free, AnnualCreditReport.Com is the only source free credit reports authorized by federal law.