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It would not be wiped clean. And yes, you would be denied for any sort of<a href="http://ssuogo.com"> creidt</a>. Once your debt is paid it will show on your<a href="http://ssuogo.com"> creidt</a> report PAID but has been delinquent such and such times. It takes a long time to build your<a href="http://ssuogo.com"> creidt</a> back up. As far as Mobile phones .. they may say you need to put a deposit down. That's like filing bankruptcy . Once you are filed and everything is cleared up. It still shows on your<a href="http://ssuogo.com"> creidt</a> report. Your bad debt will show "included in bankruptcy" And Yes, Steph is right. After 7 years it should come off your report. If it doesnt, you would need to call all the angencies and have it removedReferences :

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