Can Chapter 7 Bankruptcy Be Removed From My Credit Report Before 10 Years? Chapter 7 bankruptcy stays on your credit report for 10 years. There's no way to remove a bankruptcy filing from your credit report early if the information is accurate.
The bankruptcy public record is deleted from the credit report either seven years or 10 years from the filing date of the bankruptcy, depending on the chapter you filed. Chapter 13 bankruptcy is deleted seven years from the filing date because it requires at least a partial repayment of the debts you owe
How do I get a dismissed chapter 13 off my credit report?
There are two ways you can go about removing bankruptcy information from your credit report:
- Disputing the item with all three major credit bureaus (Experian, Equifax, and TransUnion) to get the information removed entirely. ...
- Asking the court to remove the bankruptcy filing directly from your record.
Delete address attached to bankruptcy if you have moved.
Ask credit bureau for a method of verification letter
DO NOT dispute bankruptcies until you get the method of verification first
Only seeking, who gave the bureau the information
If the court verified
My name is _____
I am writing you because an entry appears on my credit report which states I filed bankruptcy in your district , can you please explain to me how this might have occurred , from my understanding only the last 4 digits of a debtors social security number are released to 3rd parties pursuant to the federal law of bankruptcy procedures. Any information you can provide me would be appreciated.
Include a self addressed envelope stamped .
Please be advised
The court does not provide information to credit bureaus, however bankruptcy filings are public information and are made available at the public terminals in the clerk’s office and thru the courts pacer system, www.pacer.us.gov, for a small fee. If you have any questions, please contact me directly
“The clerk’s office does not report validate or confirm bankruptcy filings to the credit bureaus”
Mail the letter from the clerk, the method of verification letter and 609 dispute letter to the credit bureau.
“There is no way that you validated this information thru the courts, the court states they never validated this please delete this immediately”
7 Most Common Errors Found In Credit Reports
The Consumer Financial Protection Bureau (CFPB) reports that 76 percent of consumers who filed complaints about credit reporting stated that they had incorrect information on their credit reports.
When you review your credit report, be sure to check every single detail very carefully. If it is wrong, that can be grounds for you to dispute the record and have it removed.
Common Errors Found On Your Credit Report:
Be sure to check (and double-check) the following.
Date Account Was Opened
Date Account Was Charged Off
Names On Account
If they’re not perfect, your letter will not work!
What To Put In Your Dispute Letter
Your Full Name
Address (street, city, state, zip)
Date of Birth
Credit Bureau Contact Information
Disputed Account Name
Disputed Account Number
Description of Error (be brief)
Any Supporting Documentation (payment records, bank statements, court documents, etc.)
Tell the credit bureau precisely what you want them to do (investigate, remove the record, etc.)
Include a copy of your credit report with the error identified
Include a copy of our driver’s license or other government issued ID
Include a copy of your utility bill or a bill with your name and address to serve as a second form of ID
Something to keep in mind is that the credit bureaus keep good track of your disputes. Once you dispute the account it is much harder to dispute it again if your efforts fail.
Where to Send Your 609 Credit Dispute Letter
All three credit bureaus have a process where you can file your credit dispute by mail. Here’s where to send your 609 credit dispute letter to all three credit bureaus:
Equifax Dispute Address
Equifax Mailing Address
PO Box 7404256
Atlanta, GA 30374-0256
TransUnion Dispute Address
TransUnion Mailing Address:
PO Box 2000
Chester, PA 19022-2000
Experian Dispute Address
Experian Mailing Address:
PO Box 9701
Allen, TX 75013
123 Main Street
San Francisco, CA 94109
Subject: Fair Credit Reporting Act, Section 609
Dear Credit Reporting Agency (Experian, TransUnion, or Equifax),
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report: ABC Collection Agency, account number 0123456789.
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
My identifying information is as follows:
Date of Birth: 01/21/1989
[If you have a lawyer, state that you have legal representation and provide that person’s contact information]
As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, driver’s license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
You will need to assemble three separate packets and send one to each of the credit reporting agencies (assuming all are reporting the same account). Include a copy of your letter and copies of the supporting documents. Keep one set of the letter and documents for your own records.
If credit bureau states they received information from lexus nexus, contact lexus nexus, freeze your account and ask for a copy of your full file disclosure.
Send method of verification letter to Lexus Nexus, if they say they verify thru the court , go to court house, or send letter to court.
Hand write dispute letters to credit bureaus
My name is _____
I am writing you because an entry appears on my lexus nexus report which states I filed bankruptcy in your district , can you please explain to me how this might have occurred , from my understanding only the last 4 digits of a debtors social security number are released to 3rd parties pursuant to the federal law of bankruptcy procedures. Any information you can provide me would be appreciated.
Include a self addressed envelope stamped .
When the court responds
“The clerk’s office does not report validate or confirm bankruptcy filings to the lexus nexus”
Send letter to lexus nexus, when lexus nexus removes bankruptcy from your report, send proof to the credit bureaus that bankruptcy has been deleted.
If credit bureau does not remove , file a cfpb report
More Information - Bankruptcy
What is a CFPB report?
This report summarizes information about certain consumer complaints transmitted by the CFPB to nationwide consumer reporting agencies (NCRAs)—Equifax, Experian, and TransUnion.
The Fair Credit Reporting Act (FCRA) requires Equifax, Experian, and TransUnion to conduct a review of complaints sent to them through the CFPB where consumers allege there is incomplete or inaccurate information in their consumer reports and the consumer appears to have previously attempted to fix the problem with the
Send certified , they have 15 days to respond