Judgments, including child support judgments Tax liens Criminal convictions Most of this information, as well as information on your various credit accounts, will be on your report for seven years. Personal bankruptcies will be reported for 10 years. No one can remove correct information from your report, even if it is negative.
Please keep in mind that this may or may not work. Also, the older the bankruptcy, the better chances you have of getting it removed.
TransUnion is the best credit monitoring service in my opinion, plus you get a free credit score. This is where having a credit monitoring service comes in handy. If you find inaccuracies, then promptly dispute the bankruptcy entry with the credit bureaus. Nonetheless, if it happens, then great, you can skip the other steps.
If the bankruptcy is verified by the credit bureaus continue to the next step.
Free universal credit dispute form letters or credit report dispute form letter to legally dispute errors at Transunion Equifax Experian. One of the most important reasons to monitor your credit report is to catch errors when they happen and correct them quickly. Learn how to fix errors. Here's a guide to removing negative items from your credit report. You have more options than you might think, but some are better than others.
Send a procedural request letter to the credit bureaus If the bankruptcy is verified by the credit bureaus, you will next need to send them a procedural request letter asking them who they verified the bankruptcy with.
The best way to write a procedural request letter is to use my sample letter here. More than likely the credit bureaus will respond and claim that they verified it with the courts.
Ask the specified courts how they verified the bankruptcy Next, as you might have guessed, you will need to contact the courts that were specified by the credit bureaus.
Ask them how they went about verifying the bankruptcy. Ask for that statement in writing. After you receive the letter, mail it to the credit bureaus and demand that they immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act.
If all goes well, the bankruptcy will be removed.
Again, this process can be extremely difficult and time consuming, and there is no guarantee that it will even work. Give them a call at or Check out their website.Learn how to improve your credit and dispute Transunion, EquiFax and Experian errors.
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Call: or learn more. Identity Theft Letter to a Credit Bureau. This sample letter will help remove inaccurate information on your credit report.
Send this letter to each of the 3 credit bureaus. One in Five Americans Are Shocked to Find Errors on Their Credit Report.
Credit report mistakes can lead to disqualification for mortgages and car loans, as . How to Write a Debt Negotiation Letter. If you owe a creditor more money than you can afford to pay right now, writing a debt negotiation letter is the first step in attempting to pay down your debt in a way that meets your current budget.