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Have you declared personal bankruptcy?

I declared bankruptcy in 2000 and was discharged in Jan 2001. I understand that it takes 6 – 7 years before the bankruptcy information comes off my Credit Report. My question is this, “When can I answer NO to the question of having declared personal bankruptcy?” When the question is asked on application for credit forms for credit cards, do I have to answer yes or no now that it’s no longer on my credit report?

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One Response to “Have you declared personal bankruptcy?”

Barton Goth GCO Bankruptcy Trustees said...

This is a question that you will always have to answer yes to as there is no reference to time. You are correct that this information will stay on your credit file for a maximum of 6 years from the date of your discharge, but this is a separate issue. Anytime you see the question asked you are obligated to answer it truthfully and failure to do so would be constituted as fraud.