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How long does a bankruptcy stay on my credit report? Arizona Alaska

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  • How long does a bankruptcy stay on my credit report? Arizona Alaska

    A bankruptcy generally affects a debtor's credit report for 7 to 10 years. However, this depends entirely on the individual credit reporting agency. The Bankruptcy Court has no influence on the type of information the credit bureaus report, nor how long they keep it in their records. If you are interested in pulling a credit report for yourself, you should visit the website:

    www.annualcreditreport.com.
    Under a new federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three credit reporting agencies. Each agency's report on your credit may contain information from different creditors. To receive a free annual credit report, you can call or send a written request to:

    Annual Credit Report Request Service
    PO Box 105281
    Atlanta, GA 30348-5281
    1-877-322-8228
    You can also contact the credit reporting agencies directly at:
    Equifax - www.equifax.com / 1-800-685-1111
    Experian - www.experian.com / 1-888-397-3742
    TransUnion - www.transunion.com / 1-800-916-8800

  • #2
    There are a lot of good articles about credit report on http://www.CreditReportMonster.com, there is all kinds of information about credit reporting and scores online, its very helpfull.

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