How do I remove a bankruptcy from my credit report?

How do I remove a bankruptcy from my credit report? This can be a big deal for someone that filed bankruptcy and wants to make a clean start with their credit. Let me start off with some very important facts before we go further on how to remove a bankruptcy from your credit report.

Bankruptcy can be such a scary word. We need to first of all identify what kind of bankruptcy needs to be removed. Let me start with the most common bankruptcy to the consumer. That would be a chapter seven bankruptcy. So now we can be more specific and say how do I remove a chapter seven bankruptcy from my credit report and Experience Life with BETTER Credit?

So, the question of how do I remove a chapter seven bankruptcy from my credit report, is one item that you want to remove. Really, it can be quite simple. You first need to realize that your chapter seven bankruptcy is no different as a negative item on your credit report than say, a charge off. It is still a negative item on your credit report that needs to be removed.

All bankruptcies are done through the courts. Anything done in the courts becomes public file record. However, this record is recorded on the towns’ public file for only one year. After that year is up, it is no longer on the public records. So, it becomes harder to verify that an individual even filed a chapter seven bankruptcy.

So in order to remove a bankruptcy from your credit report, you Monitor your FICO Score, obtain your credit reports, make the preparation and then send a letter to the credit bureaus asking them to verify if you even had filed a bankruptcy. Do you think it could be this easy? Think again. The credit bureaus will not let you make it easy. They will say that they verified that you did file bankruptcy and expect you to stop telling them to remove it. But if you keep at it, they will eventually give in to you and remove it from your credit bureau report.

Now why would they just go and remove a bankruptcy from your credit report? First of all, the credit bureaus do not really even investigate public records. Why, you ask? Most courts in all states usually will only allow any public records to be verified in person. They do not allow public records to be verified through the computer, (electronically). They also do not allow public records to be verified through the mail or even over the telephone. The credit bureau may claim that they have a special system in which they use to verify public records, but in reality, they don’t. The credit bureau knows that if you were to sue them and go after them for financial damages in court, they could be in big trouble. So you see, it can be quite bothersome for the credit bureau to verify if you even had filed a chapter seven bankruptcy. So than rather go through the courts, they give in and remove it from your credit report.




9 Responses to “How do I remove a bankruptcy from my credit report?”

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