Hi, I am really confused about credit history and bankruptcy, so let me tell you what actually happened. I was in huge debt in 2010 and wanted to get rid of everything. It was like 50,000 dollars debt some with banks and some with telco companies etc. I left the country in 2010 and because of some reason, I again came back in 2011. I thought credit history will be fixed in 5 years, am I right? Or do I have to declare bankruptcy and then it will be fixed in another 5 years or even 7 years? In 2011, I accessed my credit report and it says on every default when it will be removed and the last one was due to be removed in November 2015 which has already gone. So, does that means my credit history is now a clean slate or does it still have any info in it? And if it is now clean, how do I start fresh?