Topic: Who Reports Bankruptcies to the Credit Bureaus?
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Within the first 90 days of the bankruptcy the courts report this information to the bureaus. Most courts across the country do not have ongoing reporting after this timeframe.
If it is not reporting, if the credit report pulled was from a lender, they may not be pulling in public records. Most lenders do pull in public records, but I have seen this from time to time. It will be identified at a later point during the lending process, however.
The other option is that the bankruptcy has aged off of the credit report or has been disputed and successfully removed.