Learn more about bankruptcy on your credit report and how long bankruptcy stays on your credit report.
Disputes and Bankruptcy
Bankruptcy on Your Credit Report
Common Questions About Bankruptcy
If you believe bankruptcy information on your credit report is inaccurate , you can submit a dispute online through the TransUnion Service Center. It’s free to create an account and to submit a dispute.
Bankruptcies appear under public records on your credit report. A mention of the bankruptcy may also be included in the pay status of an impacted account within that section of your credit report.
If you have supporting documents you want to include with your dispute, please note that we don’t currently support document uploads online for public record disputes. If you have documents you want to include with your public record dispute, you will need to submit your dispute by mail.
It depends on what kind of bankruptcy is on your credit report:
- Chapter 7, 11 or 12 bankruptcy generally stays on your credit report for 10 years from the date the bankruptcy was filed
- Chapter 13 bankruptcy stays on your credit report for seven years from the date the bankruptcy was filed
After the applicable reporting period of seven or 10 years, the bankruptcy will automatically fall off your credit report.
If a bankruptcy on your credit report is the result of fraud or was reported in error, you can submit a dispute and TransUnion will investigate the possible inaccuracy.
If you’re concerned about fraud, you can learn more about how to report and protect yourself from fraud in our Fraud Victim Checklist.
Start the Dispute Process
Here's how to file a dispute online with TransUnion®. It's free to create an online account and free to file. You can also dispute for free by mail or phone. Please note: If you have supporting documents you want to include with a public record dispute, you will need to send them in by mail.
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