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Your Credit Report

The bankruptcy courts DO NOT provide information to the credit reporting agencies.

The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other-documents are public records. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the court’s public records. Once a case is filed with the bankruptcy court, that case becomes part of the court’s permanent records. Regardless of the disposition of your case (i.e., open, closed, discharged, dismissed, etc.) the credit reporting agencies can still report your case on your credit report for up to ten years.

For additional information regarding inaccurate information on your credit report and access to your credit report, please visit the Federal Trade Commission’s website at:

Federal Trade Commission

The official website of the Federal Trade Commission, protecting America’s consumers for over 100 years.