When you have filed bankruptcy Chapter 7 or Chapter 13 it will show up within the public records portion of your credit report. In order to remove from your report, you will need to send a dispute letter to the credit bureaus, not the court house.
Disputing a bankruptcy can be easier than you think. Credit Bureaus obtain bankruptcy reports from disgruntled court workers with no interest in your case anyway, so accuracy is not exactly always of the utmost importance to them.
One of the easier ways to get your bankruptcy removed from your credit report involves paying close attention to what is reported as your account balance. Often times the creditor will cut corners with their own book keeping and round to the nearest dollar. Even if it is one cent off, the balance is actually false and can therefore be eradicated.
Considering the government’s knack for taking their time with things (like verifying the details of your bankruptcy for instance), it’s often quite difficult for the credit bureaus to respond to your dispute within the allotted time frame. Remember, they have 30 days to present the findings of their investigation before the items must be removed.
Debts that were wiped away by bankruptcy will appear on your credit report as “Included in Bankruptcy”. Disputing individual entries is often easy, since the creditors are not getting paid at this point because the accounts were discharged. If the creditor isn’t getting paid, they are not likely to waste their time arguing with you about the validity of an item.
If you would like help removing a bankruptcy from your report, contact Financial Education Services 888-977-1222 or info@FESexperts.com
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