AFTER BANKRUPTCY
Discharge does not erase an agreement’s past. The report should accurately show the procedure’s outcome without an incorrect current debt.
Legal provisions checked on 6 September 2026.
Bankruptcy Does Not Reset a Credit History
| Situation | Source | Action |
|---|---|---|
| Where records are held | Central catalogue | Obtain bureau list |
| Debt discharged | Final order | Check termination |
| Wrong balance | Bureau record | Dispute the attribute |
| Unknown agreement | Fraud indicators | Notify lender and bureau |
| Accurate record | Retention rule | Do not pay for deletion |
Identify every bureau
Use the route provided through the central catalogue.
Reconcile each record
Use the obligation identifier, dates and amount.
File a precise dispute
Name the wrong attribute and supported correct value.
Getting reports from every relevant bureau
First request the list of bureaus holding your information from the Central Catalogue of Credit Histories; this is available through Gosuslugi. The catalogue identifies bureaus rather than supplying the full report. Then use each listed bureau’s official service and complete identification.
Article 8 of Federal Law No. 218-FZ provides two free reports per calendar year from each bureau holding your history, with no more than one on paper. Information in a single banking app does not replace checking every relevant bureau.
What changes when obligations are discharged?
Records should reflect the bankruptcy outcome and termination of obligations covered by release. The agreement and accurate earlier arrears do not disappear. Compare the agreement number and obligation identifier, creditor, update date, balance and termination basis with the final court order or completed MFC procedure documents.
If the particular debt survives by law or discharge was denied, completion alone does not justify zeroing it out. Where a claim was assigned, also check whether one debt incorrectly appears as two separate current obligations.
How long are records retained?
Article 7 of Federal Law No. 218-FZ provides seven years from the last change to information in a record. This runs separately for each credit transaction, not as one period for the whole history starting at bankruptcy. Five years after the procedure therefore does not automatically remove every record.
Disputing an error
Identify the bureau, agreement, specific incorrect field and value to be checked. Attach relevant report pages, the final order and supporting documents. Keep proof of when the recipient received your submission. You may approach the bureau or the source that supplied the information, where that source is confirmed by the closed section of the history.
The bureau’s general verification period is twenty working days from receipt; it must provide a written result and reasons for refusal. The source has ten working days from receipt of your dispute or the bureau’s request to confirm its information or supply corrections. These are separate deadlines for different participants, not a promise that every report will be corrected within ten days.
If a refusal is unfounded or the process is breached, a Bank of Russia complaint can include the correspondence. Article 8 also provides judicial review of a source’s or bureau’s refusal. After correction, obtain a fresh report and check the specific disputed record.
Example: a discharged loan still appears active
After discharge, the report shows the old balance of an ordinary loan as a current obligation. Ask for the termination of that particular obligation to be checked against the court order. Do not demand deletion of every historical late payment or a maximum rating.
Can a paid service restore the rating?
Correcting an error is different from improving a score. Legitimate document review guarantees neither a particular rating nor credit approval. Do not give intermediaries access to Gosuslugi or take expensive loans solely because they promise to improve your history. Consider new borrowing separately: Article 213.30 requires disclosure of bankruptcy when taking a credit or loan obligation for five years after completion of asset realization or termination of the case during that procedure.
History Review
New credit · Completion documents
Frequently asked questions
Will my history be clean after five years?
No. The five-year bankruptcy disclosure duty and seven-year record retention period are different rules. Retention is linked to changes in each record, not automatically to case completion.
Should all arrears on a discharged loan be deleted?
No, not if they are accurate. Check that release is correctly reflected and that no erroneous current debt remains. Historical late-payment information may be retained.
Is a low rating itself an error?
Not necessarily. First check the underlying facts. Correcting a wrong amount or agreement status guarantees neither a particular score nor the bank’s decision.
Sources and verification procedure
Bank of Russia: reports and retention (Russian) · Article 8 of Federal Law No. 218-FZ: disputes (Russian) · Bank of Russia: forming credit records (Russian) · Bankruptcy Law Article 213.30 (Russian)
Does your report still show a debt after bankruptcy?
We can compare the entry with the final documents and identify what to dispute with the bureau or creditor, without promising to erase the history.
Book an initial consultation