How to Remove A Bankruptcy from Your Credit Report: Simple Steps to Rescue Your Credit Score

By Expert Contributor

Contracted writer for Credit Knocks.

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Summary: Use these strategies to help you remove or lessen the impact of a bankruptcy on your credit report.

Have you ever declared bankruptcy? 

It’s nothing to be ashamed of. 

From 2005 to 2017, approximately 12.8 million US consumers filed for bankruptcy. So if you were one of them, you’re not alone. 

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In some situations, bankruptcy is the most viable option for getting your financial situation under control.  

But have you ever wondered how to remove bankruptcy from your credit report?  Here are some proven methods.

how to remove bankruptcy from credit report

Important:  This article discusses DIY methods.  If you don't have the time or patience to work on your credit, we highly recommend you seek professional help from our #1 recommended credit repair partner, The Credit Pros.

How Long Will A Bankruptcy Stay On My Credit Report?

How long does a bankruptcy stay on your credit report? Well, it depends on the type of bankruptcy filed, but between 7 and 10 years. 


I probably don’t have to spell out that this is bad news for your credit score. 

The impact lessens over time, but the first few years following a bankruptcy can be rough. 

Did you know?

48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

Before you go down a rabbit hole googling things like “Can Lexington Law remove bankruptcy?”, let me clarify something:

You can’t magically delete a legitimate bankruptcy from your credit report. (If it’s showing in error, that’s a different situation—more on that later). 

The good news? 

There are a few things you can do to minimize the blow and rescue your credit score.

Or visit our review of the best credit repair companies of 2021

Lowest monthly rate in the industry.  90-day money-back guarantee.

How to Remove A Bankruptcy From Your Credit Report

(Hook Yourself Up with a Secured Credit Card)

Wondering how to remove the effects of bankruptcy from your credit report early? Adding a credit card can help, provided that you:

  • Always pay it on time
  • Keep your credit utilization low

Using a credit card responsibly will help boost your credit score, minimizing the impact of the bankruptcy. 

Wanna Know the Easy Way to Repair Your Credit?

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   Get help from the pros! ​Check out our #1 choice for professional credit repair.

That sounds great, but there’s one little problem: you can’t get approved for a credit card.

Or can you?

A secured credit card is just what you’re looking for. 

It works the same way as a regular credit card, except you’re not actually borrowing money. 

You give the issuer a refundable security deposit, and they give you a credit card for the same amount. 

They don’t care if you have bad credit, because there’s no risk involved. 

Be Careful!

Don't Apply for any new credit when a bankruptcy hits your report.

If you don’t pay your bill, they can use your security deposit to pay your balance. 

The issuer reports your account activity to the credit bureaus every month, just like a normal credit card.

If you always pay it on time and keep your balance low, it’ll have a positive impact on your credit score. 

OpenSky® Secured Visa® is a flexible option that lets you secure a limit between $200 and $3,000. No credit check required!

Quick Tip:

Usually you have to wait 2 years from a bankruptcy before you can apply for a home.

Buy Yourself A Present: An Authorized User Tradeline

Did you know that if you piggyback on someone else’s account as an authorized user, their account history and activity can affect your credit score?

Yup, even if you never use the authorized user card, their account shows up as a tradeline on your credit report and influences your score. 

Do you see the golden opportunity here? 

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

Find someone who’s very responsible with their credit card, has a large limit, and has had it opened for ages.

And then convince them to add you as an authorized user. 

It’s kind of a lot to ask.  So, what if no one close to you fits the bill?

There’s another solution: you can buy an authorized user tradeline!

I know it sounds crazy, but hear me out. 

Tradeline Supply Company is an online marketplace for buying and selling tradelines. 

Quick Tip:

It can take up to 30 days before you see the tradeline hit your credit report and up to 60 days before you see its true effect. 

Every tradeline you buy from Tradeline Supply Company has a perfect payment history and credit utilization of 15% or less. 

The best (and most expensive) tradelines are ones that have been opened for a long time and have a high credit limit. These have the largest impact on your score. 

Moral of the story?

You can pad your credit report and boost your credit score by buying authorized user tradelines. 

Remember, anything you can do to improve your credit score helps reduce the negative impact of a bankruptcy. 

Take Matters Into Your Own Hands With a Credit Builder Loan

Ok, so say you’ve got your secured credit card. Great job!

You’ve purchased an authorized user tradeline—smart move. 

What else can you do to salvage your credit score post-bankruptcy?

A credit builder loan can help you establish a strong payment history.

Here’s how it works:

  • You and the lender agree on a loan amount and a term.
  • You pay a small deposit to get the ball rolling, and the lender stashes it away for you.
  • You make regular monthly payments for the term, and the lender saves up those payments.
  • The lender reports your payments to the three credit bureaus.
  • When the term is up and you’ve paid the agreed upon amount, you get your money back, less any interest or fees.

If you’re ready to take action, we recommend Self Lender. They have an easy online application process with no credit checks required. 

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Review Your Credit Report On the Regular

Everything we’ve discussed so far applies to people with legitimate bankruptcies on their credit reports. 

In those situations, you can’t erase a bankruptcy, just take steps to minimize its impact. 

But we know credit reporting errors are pretty common.

I’m willing to bet there are people walking among us with a bankruptcy on their credit report that doesn’t belong to them

Talk about a kick in the face!

Wanna Know the Easy Way to Repair Your Credit?

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   Get help from the pros! ​Check out our #1 choice for professional credit repair.

There are also people still being plagued by old bankruptcies that should have fallen off their reports already. 

Protect your credit score by regularly reviewing your report for inaccuracies. 

If you find something sketchy that you don’t think should be there, you’ll need to file a dispute letter to remove bankruptcy. We recommend working with a pro.

Or visit our review of the best credit repair companies of 2021

Lowest monthly rate in the industry.  90-day money-back guarantee.

How to Remove Bankruptcy from Your Credit Report: Final Thoughts

You can’t snap your fingers and erase a bankruptcy.

But a secured credit card, authorized user tradeline, and credit builder loan can help boost your credit score and minimize the impact. 

If you’re ready to get serious about rebuilding your credit post-bankruptcy, check out our #1 recommended credit repair company, The Credit Pros

sandra pearsons

By Sandra Parsons

Sandra Parsons is a professional freelance writer specializing in personal finance, travel, and psychology. She draws on her banking experience and graduate-level research training to create factual and engaging content. You can find Sandra on Twitter @SandraLParsons. 

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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