Chapter 7 bankruptcyCan a bankruptcy be removed from your credit report?
The credit bureaus have active campaigns online to make you think that it’s not possible. They pretend to be helpful, but they have ulterior motives. They don’t say it outright, but the way they word their interpretation of the FCRA makes people think that it can’t be done. The worst thing about that is that a lot of the top credit sites parrot the information which makes for a lot of misinformation online. However, as you will see below, bankruptcies absolutely can be removed from your credit report.
Removing a bankruptcy requires filing separate disputes with all three credit bureaus. Because of the way the credit bureaus work, you have to word your disputes carefully to avoid having your dispute deemed “frivolous”. While the FCRA offers protections for consumers, credit bureaus have the right to ignore anyone that they feel is abusing the law. Credit repair companies are experts at disputing negative items on your credit reports. They specialize in getting bankruptcies deleted from your credit report. They can also removed the accounts “included in bankruptcy” like charge offs and collections. Read my story below to see how I got my bankruptcy deleted.
Can credit repair help you in Louisianna to achieve financial stability? How do I find a reputable credit counselor?
Most credit counselors offer services through local offices, online, or on the telephone. You can find a list of approved credit counselors online.
Once you've developed a list of potential counseling agencies, check them out with your State Attorney General’s office, and local consumer protection agency.
Finally, ask the credit counseling agency for free information about their services and what they provide.A reputable credit counseling agency should be willing to send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a service doesn’t do that, consider it a red flag and go elsewhere for help.
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