Question: In December of this year it will be 6 years from my discharge (first bankruptcy in Ontario). What steps should I take to ensure the bankruptcy is removed from my credit reports?
A first bankruptcy will be removed from your credit report 6 years after you receive your bankruptcy discharge.
According to Equifax, a bankruptcy will automatically purge from your credit report six years after you are discharged from bankruptcy, so there is nothing you need to do. To be sure that your bankruptcy is removed from your credit report, two months after the six years is up, request a copy of your credit report to ensure it is correct. If there is a problem, you can send a copy of your discharge certificate to the credit bureau to have your bankruptcy removed.