Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I am in California, how long does it take for debts or creditors to automatically fall off my credit report? - My credit report still has some debts that have been on there for a long time. When do they automatically fall off the credit report, what shall I do if I cannot pay them due to unemployment? Also, if I have to file bankruptcy, how long will it take before the bankruptcy is removed from my credit report? Any other advice will be deeply appreciated, thank you -