Should everything be off my credit report by now?

[2004ep3hatch]

I'm not really sure about this, I completed my bankruptcy in October. I checked my credit reports. They all still show all my debts. On some of them it says "included in bankruptcy" I thought all the debts are removed from the reports and all i have bankruptcy.

Is this wrong? Sorry for the noobish question here. Great forum to read which i have been doing alot of. Altho i did not find this answer lol.

[Flamingo]

Filing bankruptcy does not remove those accounts from your credit reports. All debts/accounts that were included in your filing should be showing as you stated with zero balance owed and zero balance due. Note that if you were late with payments or had chargeoffs prior to your BK filing date, those may remain and cannot be removed.

Depending on what Chapter you filed, the BK information will stay on your reports for 7 years after the filing date for a Chapter 13, 10 years for a Chapter 7. It is permanent on public records.

[liz417]

Your credit reports should read, IIB (included in Bankruptcy) with a Zero balance