You mean who can legally change an accurate reporting of the past, that is maintained in tightly controlled data systems and the public records of the courts?
No one. But you could fall for any number of scammers who prey on those who are foolish enough to think so.
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.
No, filing bankruptcy will never help improve your credit score, it stays on your report 10 years whereas a repo or foreclosure normally remain 7 years. So bankruptcy would only make your credit worse.
Read the Fair Credit Billing Act. Also your user agreement.
There are many places where one can get help for credit and debt bankruptcy. For example, Debt Advisors Scotland, Consumer Information and Total Bankruptcy.
Yes. It is more difficult, but it is also ESSENTIAL to recovering from bankruptcy. You must take out credit and have precise, on time payments in order to help rebuild your damaged credit score post bankruptcy.
Yes online credit checks help you avoid bankruptcy. You can check it online and make sure everything is 100% accurate.
You cannot get it off of your credit report. You can get the accurate information that the account has been handled in Bankruptcy court on __ date. You need a copy of your bankruptcy judgement. This shows how many and what accounts were written off or still need payment. You can send copies of this to the 3 credit bureaus. USUALLY, this will help you get the problem mitigated. Not always though as the credit companies only need to respond to material sent in by their contracting clients. If this is the case, when you get a copy of your credit report, sent in a 100 word or less letter to all 3 credit bureaus telling them what the situation is and they must print that out in all your credit records. This may or may not help, but it is better than nothing by far.
yes and no. If you don't' keep them; they will show up on your credit report as foreclosure and repo. However, if you keep them and keep paying; they won't keep updating your credit report with positive info- because, the debt was discharged. It's a double edge sword.
Credit reference agencies can help you identify any mistakes that appear on your credit report. By checking your credit report for free once a year you can notify credit agencies of any errors on your credit report and have them resolved before it effects your credit score.
An accountant or bank will be able to explain about bankruptcy credit repair. There are also now a lot of government funding companies to help people understand about credit ratings and how to help themselves out of poor fiscal situations.
Do things that will improve your credit score. Pay off your credit cards as much as you can, contributing most to the one with the highest interest rate. If you have declared bankruptcy in the past, you should wait until after 10 years before the bankruptcy is no longer listed on your credit report. Look into whether you qualify for the $8000 federal first-time home buyer tax credit.
One can monitor their own credit report online. Websites like Equifax, Experian, and Transunion offer a free credit report once a year for users to help monitor their credit report.