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Credit Reporting Inquiry

The Fair Credit Reporting Act, 15 U.S.C. §§ 1681 - 1681x, was enacted to protect consumers from the transmission of inaccurate information about them, and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner.   The law states that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed.  Other bad credit information is removed after seven years. The bankruptcy court has no influence over these reporting policies.

You can contact the Federal Trade Commission (FTC), the Division of Consumer & Business Education at the headquarters office in Washington D.C.  (202) 326-2222 or visit    Additionally, the FTC, Consumer Response Center toll free number is 1-877-382-4357.