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Q. I'm trying to get some consumer information and thought you might be able to help me. Long story short: I have a personal bankruptcy that was discharged on Jan. 8, 2001. I know it has been on my credit record all this time and should, as I understand, drop off the credit records after 10 years ... which would be January 8, 2011. My question is this: Should I send a certified letter with a copy of the discharge to all three reporting agencies explaining what I've just told you and not just rely on their "alertness" to see that it drops off?