How Long Does Chapter 7 Stay On Credit Report (& Can You Remove It)?

Learn how long a Ch 7 stays on your credit report & how it affects your score. Find out how you can remove errors on your credit w/help from Credit Glory.

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How Long Does Chapter 7 Stay On Credit Report

Bankruptcies do long-lasting damage to your credit score. A Ch 7 bankruptcy stays on your credit report for 10 years! Is there a way you can remove them? If they show up inaccurately, you can. You can dispute them yourself, but it's easier w/help from Credit Glory.

How long does a Chapter 7 bankruptcy stay on your credit report?

If bills are piling up and you can't pay them, Chapter 7 is often the last resort for clearing debts. However, it has a long-lasting impact on your finances — & your credit! Chapter 7 bankruptcies stay on your credit report for  years. That's not the worst part. Your credit score can tank by as much as 200 points!

Can you remove Chapter 7?

While you can't dispute an accurate Chapter 7, you can dispute errors on your report. Finding inaccuracies can be tricky, so what do you look for? Common inaccuracies with bankruptcies include:

  • Discharged debts still showing a balance
  • Inaccuracies w/account status
  • Fraudulent accounts
  • Expired bankruptcies still showing up
  • Data mistakes

Finding these errors is tricky (& time-consuming). Working with a credit repair expert (like Credit Glory) speeds up & simplifies the process.

What you can do to rebuild your credit after a Chapter 7

Rebuilding your credit after filing for Chapter 7 is hard work. Luckily there are ways to minimize the impact of bankruptcy and start repairing your credit.

  • Monitor your credit - Keeping an eye on your credit is an essential step in rebuilding it. It helps you track any progress you make as well as helps you quickly identify any errors and inaccuracies.
  • Verify information - According to the FTC, 20% of the population has at least one error on their credit report. Inaccurate negative marks hurt your score. That's why it's important to verify info on your report.
  • Check your credit report for errors - Before you can dispute an error, you have to find it first. You can find common errors in personal info, account status, and balance & data mistakes.
  • Dispute inaccuracies - Once you have found errors, you can dispute them. This means gathering evidence, writing a dispute letter to all 3 credit bureaus, & waiting.

Bottom line (& next steps)

While you can check your credit, look for errors, and dispute them yourself, it takes time (& hard work). Looking for an easier alternative? Consider working with a credit repair expert — like Credit Glory. They do the work for you, so you don't have to.

Why repair your credit w/Credit Glory vs DIY?

Removing inaccurate negative items helps improve your credit (& boost your score). DIY credit repair is a headache. Partnering w/Credit Glory is often a simpler alternative. Why?

  • Easier - Making a mistake disputing DIY costs you. Credit Glory helps you build a strong case for disputing inaccurate collections (& boosting your score).
  • Saves you money - An unsuccessful dispute leaves you stuck with debt (& poor credit). Credit Glory helps you boost your score — which means saving money on loans (& interest rates).
  • Top-class customer support - Credit Glory has best-in-class customer service to answer questions and keep you updated. Credit Glory even offers an industry-leading 100% money-back guarantee (if no errors are removed in the first 90 days).

Start building your credit (& boosting your score) with Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything!  Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Get Your Bankruptcy Removed Professionally

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 766-4803 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.