Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
There is no "minimum" time. Credit reporting agencies uniformly report the bankruptcy from the moment they receive a report of the filing with the bankruptcy court, until the end of the 10 year statutory period.
Well, the CRAs (credit reporting agencies) do have a legal obligation to maintain accurate information. So, I suppose it could be argued that the failure to maintain the existence of the bankruptcy would be a violation of the law. Or it could be argued that the agencies only have the obligation to accurately report the information that they actually place on the report. The issue has never been litigated, to my knowledge. Regardless, that's not exactly the same as a "minimum" time requirement, however -- which is how you phrased the original question.
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I understand they have a legal obligation to accurate reporting. but in plain english if the following quote:("Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.") only addresses the the fact that they can not continue to report it for more than 10 years. There is nothing legally binding them to keep it there for the full10yrs. Correct?
Like I said, a court could reasonably interpreet the Fair Credit Reporting Act to require that the credit reporting agency accurately state the status of the case. I don't have that portion of the Act handy, but I'm fairly sure that there is express language requiring accuracy in credit reporting.
So, I cannot say definitively that you are correct, or incorrect. It's an unlitigated question mark.