Stays for 7 years and after that u can dispute for it to be removed. Also carl, some things tou said are false.. i had a 750 credit score when i filed for bankrupsty . I made my payments until the day i filed to keep it that way. When i filed and my accts started closing my score dropped to a 620 . A year after filing im at a 680 and was able to recieve a credit card with a low credit limit to help boost my score abd i was even able to buy a good vehicle
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You can file to dispute with all three credit monitoring companies (experian, transunion, equifax ) check the option “ no longer assosciate or responsibile for this acct” ask for it to be removed. There are credit laws for stuff like this . U can get that removed . I did the same thing with one of my moms cards, they took it right off no issues.. i suggest downloading credit karma.. u can do most disputes for two of the companies through that app and go online for the third.. also the card may not show up on all three reports either so then u woldnt have to worry about it
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