How do you clean up your credit report after bankruptcy?

Answer 1

Can't if its been less than 7 yrs. for a chp.13 or 10 yrs. for a chp. 7. If its more than this contact the credit bureaus directly with your request. The website FTC.gov has addersses and info about this.

Answer 2

I have had some luck removing bankruptcy's and public records from credit reports. I have also had good luck removing charge offs. I will help you if you want my email address is cary_zolman@Yahoo.com

Answer 3

1. Pay your current bills on time. 2. Save money. 3. Get a low-limit credit card or store charge account and always pay more than the minimum and always on time or ahead of time. Do not accept any increase in your credit limit. 4. Be patient. Your credit score will improve over time. 5. If you can and need to, buy a (used) car and make your payments on time. After 6 months refinance at a lower rate. = adding ==

6) Review your actual credit report...make sure it is accurate (that doesn't mean it is what you want it to say, just what it says is actually about you). Then, you can consider writing and posting a letter, that by law is provided to inquirers, where you explain why your past is the past and you've learned and the future is better. This can be especially helpful if the reason for your BK was an isolated instance, like medical bills, and your condition is resolved. Explain that...medical, big bills,, better now, back to work, over whelming unavoidable one time debt. (Comments blaming others, like bad economy, unexpected job loss, etc may not be helpful, especially if you can't say why it won't happen again).

Answer 4

Your credit report? Wait 10 years from discharge.

most Cr reports cover this for 10 years....they are simply reports of history and to have any usefullness and value must accurately report events. You cannot change the accurate reporting.

As a matter of public court record...the information is actually available for anyone that looks for much longer.

Answer 5

A valid bankruptcy filing will appear on your credit report for up to 10 years. If the information is accurrate, then it cannot be removed prior to that time frame. Be cautious if someone promises to have it removed.

Answer 6

Generally speaking, in the US, bankruptcy stays on a persons credit records for up to seven to ten years. It may depend on what particular bankruptcy was filed for. It's a good idea to check with a credit bureau to get the complete picture. Also, another reason to check with credit bureaus is that they may have forgotten to erase a bankruptcy that they have overlooked.

Answer 7

If its a mistake- you can dispute it with the credit agencies. If you did in fact declare bk- that you ca do NOTHING about, but should drop from your credit report in 10 years.