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Credit Reports and Bankrupcty

Credit Reports and Bankruptcy Court Records

  • The Bankruptcy Court does not send information to credit reporting agencies.
    • However, bankruptcy records are public records and may be accessed through the Public Access to Court Electronic Records (PACER) system ( PACER is an electronic public access system that allows any user to obtain case information from federal appellate, district, and bankruptcy courts.

  • Who has oversight over credit reporting agencies?
    • The Fair Credit Reporting Act, codified as Title 15 U.S.C. § 1681, governs credit reporting agencies.

    • The Federal Trade Commission ( and the Consumer Financial Protection Bureau ( have regulatory authority over credit reporting agencies.

  • How long will a bankruptcy case stay on individual’s credit record?
    • See Title 15 U.S.C. § 1681c.