I know that even after it's discharged it stays on my report for 7-10 years, but what determines if it's the 7 the full 10, or somewhere in the middle?Can I write to the credit bureau's to have it removed or the court where it was filed; it was discharged in 1999.
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It is difficult to remove a bankruptcy from your record. In order for the credit bureau to remove it, the report must be inaccurate, and/or the creditor does not respond back to an investigation request.In the case of a BK, it's a public record easily verified through PACER, an on-line database listing all bankruptcy filings.
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If you send in a dispute, they simply look it up on-line and it will stay on your report. it stays for 10 years from the date of the discharge (in the case of a BK7).Your only hope is the fact that the credit bureau is getting totally swamped with dispute investigations, and many times they don't have the manpower and ability to check.
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If it's not verified within 30 days they must delete the entry. The court will not remove this record, so don't even waste the cost of a stamp asking them. Your best bet in repairing your credit is to start immediately in doing things that will improve it.
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There is a great site that has a lot of education info and newsletters showing you how to do it....it's a free site but they do sell stuff here. I'm not passing spam, just pointing out a good source of information. I am not associated with this group at all.
>>> http://www.lifeafterbankruptcy.com
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