remove bankruptcy

Submitted by Anonymous (not verified) on Thu, 03/26/2009 - 16:43

Is there anything one can do to remove bankruptcy from credit report after 8 years?

Many bankruptcy attorneys do not adequately explain the effects of bankruptcy to their clients. Stated simply, bankruptcy is to the credit rating what the nuclear bomb is to war. When you file for bankruptcy, every credit account that you decide to include in bankruptcy will become an "included in bankruptcy" account. Additionally, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your credit report.

Bankruptcy information fall under the same guidelines as other negative listings. If it cannot be verified or if it is inaccurate, it must be corrected or deleted from the report.

When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may tell you all manner of such pseudo-legal nonsense. The law demands that public records such as a bankruptcy will appear on your credit report for "no longer than" or "up to" ten years. The courthouse or the credit bureau can choose to delete the negative credit listing whenever they see fit or if the items are unverifiable, inaccurate or incomplete.

Thu, 03/26/2009 - 23:40 Permalink

Almost all negative items stay in your credit report for seven years. However, bankruptcy may stay in your credit report for seven to ten years after which it will automatically get removed from your credit report. Since seven years has already expired from the date your bankruptcy has been discharged, you can dispute the listing with the credit bureaus and try to get it removed.

Fri, 03/27/2009 - 09:19 Permalink

The law demands that public records such as a bankruptcy will appear on your credit report for "no longer than" or "up to" seven to ten years.

It all comes down to whether or not the negative items are meeting the requirements of the Fair Credit Reporting Act for them to be continously reported. If they aren't or they aren't verified within a reasonable amount of time then, by law, they must be deleted.

Fri, 03/27/2009 - 15:13 Permalink
Sonya Roberts (not verified)

I filed bankrupcy and did not need it so it was open and closed in less that 60 days. It is still on my credit report. Is there anything I can do to have it removed?

Sun, 05/17/2009 - 02:50 Permalink

you can write back to the CB and show them copies of all the documents related to the bankruptcy closing so they will verify all the details and then can go for the removal of BK remarks on your report. :arrow: :arrow:

Even if you send them scanned copies of the documents, then also i think they will make a note of it and surely reply to your query.

keep us informed.

Sun, 05/17/2009 - 04:08 Permalink


Supporters of the bill, however, are confident that the changes will be for the better. They believe it will force lenders to put more effort into helping troubled borrowers, instead of going straight to foreclosure. By offering solutions such as loan modification, they can cut down on foreclosures by state and minimize losses for both parties. It also offers a viable alternative to going to court and filing for bankruptcy.

Mon, 05/18/2009 - 09:18 Permalink

Hi Sonya Roberts,

You should send a Dispute letter to the credit bureaus. You will find a sample of a Dispute letter if you visit the following link: . Enclose documents in support of bankruptcy closure. You can also enclose a copy of your credit report, marking the item that you are disputing.

Tue, 05/19/2009 - 08:24 Permalink


All I know that the compromise would also allow judges to study each case to see if the lenders’ terms match those in the housing plan, which is a debt-to-income ratio of 31%. If the borrower receives a loan modification but is still over the DTI limit, he or she can still apply for Chapter 13 bankruptcy.

Wed, 05/20/2009 - 09:02 Permalink
crorkz matz (not verified)

cZrW1a Very good blog article. Really Cool.

Tue, 08/05/2014 - 07:58 Permalink
charmdatescamr… (not verified)

The Nigerian Prince or Scams to Avoid

Anyone can fall victim to a scam. Even artist elites such as Steven Spielberg, diane Malkovich, And Jeffrey Katzenberg weren't safe from being duped by a scam artist who "Madoff" With ample their dollars. Even the show biz industry elites such as Steven Spielberg, steve Malkovich, And Jeffrey Katzenberg weren't proof against being duped by a scam artist who "Madoff" With many their dollars. But people still fall victim to these scam emails, And many were conned out of their lifetime savings.Here are several versions of the "Nigerian royal prince" bad deal:Pulling at your heart strings: The con man uses a real news story of someone's death, Claiming it was a member of family. He then gives a sob story about needing your help to move his dead relative's millions out of the nation to avoid greedy family members/government. The scam artist then asks you to wire a "bit" (several thousand) to repay expenses legal expenses and fees, Promising you a share in the future for your "Generosity,you then have a long lost relative: A Nigerian barrister breaks the news that you've got a long lost relative in Africa, Who deceased, forgetting millions. First, They'll send a large check to deposit into your money, you will wire the money minus your "thank you so much" charge. unfortunately, They forgot post the check is a fake, And once the bank discovers, They'll reverse the russian woman procedure leaving you in debt. you are not the chosen one: A wealthy philanthropist on his deathbed who easily left no heirs has finally found someone worthy of his vast fortune (You know where I'm building this right?). So after deeming you his successor, He needs you to wire over money first to you know, Pay estate taxes and attorney's fees to transfer his riches to you. soldier of fortune: one of these more creative works of utter nonsense, The con artist claims to be soldier from a recent conflict (irak, Afghanistan, Bosnia) Who discovered the fortune of some dictator/warlord and hid the stash. naturally, He needs you to wire money to finance his expedition to retrieve it, likely you a share of the loot once he finds it. international dating scams: This one involves people creating accounts on dating websites, producing the charm, And then suggesting that you wire them money because they've got 5 kids to feed, Family in a medical facility, Or any number of hard luck stories. intellect, Your greatest protection is change maxim "If it sounds too good actually, it probably is,ah, If only it was so easy!certain" Loans is another con to watch out for. why is telephone con men so dangerous is that unlike the "Nigerian king" Charlatans, which hyena like opportunists, this option are sharks who'll pressure you to say "confident" To whichever they're offering.really are a few common telephone scams to look out for:you won the lottery: You'll obtain a call from someone congratulating you on winning the lottery, almost always some "foreign" Lottery you've never heard of. But to claim your income, you want to first pay heavy "Taxes and costs" (By insert or remittance) to gather your winnings. Another version involves being conned into buying foreign lottery tickets utilizing promise of "beneficial odds, Then you'll either be mailed fake lottery tickets or almost nothing. We've got an investment chance for you: Would you invest in a company if the risk was low and you were guaranteed high returns? replying to "yep" To that real question is what con men are counting on. the con artist calls, He'll use a sales page that answers every fear you ever had about investing. You might even be directed to a website or some press releases that make the investment look legitimate. The only catch is that you'll want to pay some administrative fees, duty, And shipping costs simply uses collect your prize. unhappily, The odds of actually acquiring your "free" Prize are about competitive with having a wealthy long lost relative in Africa. Donate to an unworthy cause: for the future, there's a simple charity for about every cause, Natural frustration, And disease ever made, Making it harder to tell which companies are legitimate. This is the perfect cover for scam artists looking to exploit your generosity with questionable sales tactics meant to bludgeon you into donating as rapidly as possible. Con men may even tell you he is from a real charity and ask for "shawls by hoda donates" Through the unit via EFT or ask you to wire money. But the reality is that you're only donating to the con man retirement fund. Lend me your ear to have a minute: with regards to bad credit (Or no lending), committing to a loan is like trying to land a date with a supermodel there's plenty of rejection. So when a random lender calls offering you a hassle free, certain to get loan, It sounds like the reply to your prayers. That is until the con man insists upon pay him a fee for loan "payment" in addition to a "home protection deposit" (Does anyone see the irony here?). it will restrict telemarketers from calling you, Preventing many of the aforementioned scams. using the PDPC, DNC enrollment will be free and available at the appropriate time. this will certainly restrict telemarketers from calling you, Preventing many of the aforementioned scams. based on the PDPC, DNC enrollment will be free and available at the appropriate time. unless you get signed up, Here's your skill:Prize/Investment text message or calls: If you have calls from people asking for payment (payment, EFT, Remittance) To cover making fees, income tax, And shipping allowing you to claim your free "treasure, hang up. If you don't know the charity, Check the government's Charity Portal to ensure it's a registered charity. If you recruit a call from a known charity, Do not provide your bank details or pay over the phone. Legitimate lenders include working fees into the loan and never ask for a security deposit. set up offer sounds real, truly check the Insolvency Public Trustee's Office list of licensed moneylenders.

Wed, 05/15/2019 - 06:57 Permalink
Lissette Marquez (not verified)

It’s not easy believing someone you have never met in person and entrusting him with your money and personal information. After reading so many reviews online and decided to contact Hack West Credit Repair. I didn’t have so many things on my credit only about 17 accounts which include student loans. I needed to purchase a house but didn’t have a good credit. I wrote to Hack West and asked if he could be of help to me and how long it will take to effect changes on my report. I got a swift response assuring me that it’ll be possible. Lo and behold, Hack West jacked my score to 790 from 457 and deleted those ugly items from my profile in less than 6 days as against 15 days he promised not leaving any stone unturned. Kudos to them, I now has a great place I call my “Paradise”. Write them on: HackWest@Writeme.Com or +1 (424) 307 2638

Wed, 05/15/2019 - 09:00 Permalink