It has passed the 10 yr mark so what do you need to do to remove a bankruptcy from your credit report?

Answer 1

If a bankruptcy does not come off of one's credit report by itself after 10 years, then one can ask the three major credit reporting agencies to do an investigation of the bankruptcy and remove it. To do this, one has to send a written request to each of the three major credit reporting agencies and advise them that the bankruptcy should come off the report. The letter needs a current name, address, and social security number or identification purposes. Along with the letter, the credit reporting agencies will need a copy of some document verifying that it has been at least 10 years from the filing date of the bankruptcy, such as a copy of the file-stamped front page of the Voluntary Petition, a copy of the Notice of Bankruptcy issued by the Court, or a copy of the Discharge. The best addresses I know of (possibly outdated) for each of the three national credit reporting agencies are: Trans Union Corporation ATTN: Public Records Department 555 West Adams Street Chicago, IL 60661 Experian Profile Management P.O. Box 9558 Allen, TX 75013 Equifax P.O. Box 144717 Orlando, FL 32814 Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.