Well if your debt is reported to the credit reporting agencies as being delinquent prior to you declaring bankruptcy then this late report would remain on your credit report.
Also regardless of your previous debts, the fact that you declared bankruptcy will likely have a much larger impact on your credit score/report
Also regardless of your previous debts, the fact that you declared bankruptcy will likely have a much larger impact on your credit score/report
Just goes to show you what the true end-game is for lenders especially for banks like JP Morgans, if it's easier for you to stay in debt for longer than it is to final for bankruptcy and get rid of the problem then they want people to stay in debt for as long as possible or for the rest of their lives.
