Removing public record?

Submitted by tiffrain26 on Fri, 04/09/2010 - 15:19

My husband and I filed for bankruptcy in 2002. He applied for a government job 2yrs ago and was declined the position due to the bankruptcy. The job is going to be hiring again and I was curious if there is a way to get this removed from public record. I read it stays on public record for 10yrs.

Hi Tiffrain,

Bankruptcy stays on credit report for 7-10 years, from the date when it was first filed. However, it also depends on the state. Thus, you first need to check the state laws on bankruptcy.

If the state law mentions that the bankruptcy should fall off after 7 years of filing, you can dispute this with the credit bureaus. Send the letter through certified mail, requesting a return receipt. You will then be able to retain a proof of the letter you sent.

You will get a sample dispute letter at .

Hope this helps.



Sat, 04/10/2010 - 06:32 Permalink