Can't if its been less than 7 yrs. for a chp.13 or 10 yrs. for a chp. 7. If its more than this contact the credit bureaus directly with your request. The website FTC.gov has addersses and info about this.
1. Pay your current bills on time. 2. Save money. 3. Get a low-limit credit card or store charge account and always pay more than the minimum and always on time or ahead of time. Do not accept any increase in your credit limit. 4. Be patient. Your credit score will improve over time. 5. If you can and need to, buy a (used) car and make your payments on time. After 6 months refinance at a lower rate. = adding ==
6) Review your actual credit report...make sure it is accurate (that doesn't mean it is what you want it to say, just what it says is actually about you). Then, you can consider writing and posting a letter, that by law is provided to inquirers, where you explain why your past is the past and you've learned and the future is better. This can be especially helpful if the reason for your BK was an isolated instance, like medical bills, and your condition is resolved. Explain that...medical, big bills,, better now, back to work, over whelming unavoidable one time debt. (Comments blaming others, like bad economy, unexpected job loss, etc may not be helpful, especially if you can't say why it won't happen again).
Your credit report? Wait 10 years from discharge.
most Cr reports cover this for 10 years....they are simply reports of history and to have any usefullness and value must accurately report events. You cannot change the accurate reporting.
As a matter of public court record...the information is actually available for anyone that looks for much longer.
A valid bankruptcy filing will appear on your credit report for up to 10 years. If the information is accurrate, then it cannot be removed prior to that time frame. Be cautious if someone promises to have it removed.
Generally speaking, in the US, bankruptcy stays on a persons credit records for up to seven to ten years. It may depend on what particular bankruptcy was filed for. It's a good idea to check with a credit bureau to get the complete picture. Also, another reason to check with credit bureaus is that they may have forgotten to erase a bankruptcy that they have overlooked.
If its a mistake- you can dispute it with the credit agencies. If you did in fact declare bk- that you ca do NOTHING about, but should drop from your credit report in 10 years.
How to clean up your credit report
Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.
A Chapter 7 Bankruptcy may stay on your credit report for up to 10 years. A Chapter 13 Bankruptcy may stay on your credit report for up to 7 years. But both may be removed earlier if the information they are reporting is incorrect, incomplete, misleading, or unverifiable.
The bankruptcy stays on the credit report for 7 years, so you need to try to build up your credit profile.
A Chapter 7 bankruptcy stays on your credit report for 10 years. Generally a Chapter 13 bankruptcy will be removed after 7 years, but can remain up to 10 years.
Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.
Anytime a bankruptcy shows up on a credit report, the credit score associated with such a credit report will be ranked as fair or poor. Four years is still considered "recent" concerning bankruptcy, so poor is the best that one can hope for. Bankruptcies stay on the credit report for ten (10) years.
Yes. It will show that you filed bankruptcy and that the bankruptcy was dismissed.
It can stay on your personal credit report for up to 10 years, but most credit reporting agencies will remove it after 7.
shut the fu ck up.
Bankruptcy information (and other legal actions like judgments) may stay on a credit report for up to ten years after the fact. If your credit report still reflects a bankruptcy after ten years, create a dispute/update request with the associated credit reporting company and include proof that the bankruptcy is older than ten years old (the state record of the original date of bankruptcy action is typically all of the proof one needs). Negative items (including home loans that may have been forgiven) may stay on your credit report for up to seven years after the occurrence, regardless of bankruptcy status. Similar to the process above, if there is negative information on your credit report after seven years, one can request an update/modification of the credit report by providing appropriate proof.
Bankruptcy can stay on your credit report for up to 10 years. I say "up to" because you can ask to have it removed and in some cases they may do so. After 10 years if it is not removed, you can demand that it be removed.