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Credit Rating and Reports

The Bankruptcy Court has no jurisdiction over credit reporting agencies. You must resolve any dispute you have with a credit agency or your credit report directly with that agency.

The Bankruptcy Clerk's Office is not responsible for credit reports and does not provide information to credit reporting agencies. Bankruptcy records are public records and the information contained in them can be retrieved by anyone. Credit reporting agencies regularly collect information from the petitions filed and report the information on their credit reporting services. Bankruptcies normally will remain on your credit report for up to ten (10) years and may be taken into consideration by any person reviewing a credit report for the purpose of extending credit in the future. The decision whether to grant you credit in the future is strictly up to the creditor and varies from creditor to creditor depending on the type of credit requested.

 

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