how do you remove bankrupty off your credit report?
115164
You can't and it will take them 10 years to remove it.
1149542
Get copies of your credit reports from all of the major reporting agencies.  Challenge the bankruptcy.\n\nYour lender can also "fast-track" the cleanup process and get your credit re-scored.  There is a small fee for this, typically about $50.00 per item on the credit record.  This is the fastest way to get this cleared.
669249
There are ways to get rid of some listings, but not all.  \n\n\n-Get copies of your credit report at\nwww.annualcreditreport.com\n\n-Examine your report very carefully for errors.  Incorrect balances, wrong reporting dates, anything that you can use as a basis to protest the entry.\n\n-Send a protest letter to the Credit Reporting Agency (CRA) that has the report listed. They will "verify" the debt with the creditor, and must respond back within 30 days of the result. Note that "verify" only means that the creditor just has to inform the CRA it is a valid debt, and no proof or documentation is required. This is what most likely will happen. At this point you can send the CRA a letter protesting the entry, and they must put your statement on the record.\n\n-Now send a "validation demand" letter to the creditor. That means the creditor must supply copies of all bills, contracts, receipts, and anything that was used to calculate what they say you owe. The must demonstrate you have a legal obligation to pay. They have 30 days to respond.\n\nIf they do send this information, examine it carefully. If it's correct, decide if you still want to go to court. This is the information they will use to defend themselves, so if you have a case you can now take it to court.\n\n-If you do not get this information within 30 days, send a copy of the validation letter, plus another demand to remove the credit entry to the CRA, informing them that the creditor has violated the Fair Credit Reporting Act. If the CRA still will not remove the entry, you now have grounds to sue the CRA as well.\n\nBe sure to send all letters by certified mail, keep very accurate logs of when they are mailed and who you talked to. It is NOT necessary to send them by certified mail, return receipt. Your receipt will prove you mailed it, and the tracking number on it can be traced to show it was delivered. That will save you a few dollars in postage.\n\nContact me if you need more help. I am not a lawyer or credit counsoler, just someone who has been through this many times before (and still doing it!).\n\nYou are about to go to war! Knowledge of the law is your only weapon! Don't fight these guys unarmed! Read the links below.
358784
Yes, there are ways to remove some of the bad entries in your report.  If you want to go to battle, read the links I've supplied below.\n\nDo not waste a dime going to any of those credit repair places.  They will charge you a lot of money to do the exact same things you can do yourself, and they will be just as successfull.  \n\nHere is a real quick rundown on what to do....\n\nGet your credit report (for free) from www.annualcreditreports.com.  Study them carefully for any errors and negative reports.\n\nKeep a carefull log of any calls you make, who you talked to, and any letters you write.  Be sure they are sent by certified mail.\n\nExamine your report for any debts that have run over the Statute of Limitations.  Also carefully note the reporting dates of each item.  According to the Fair Credit Reporting Act, they can NOT be listed if they are older the 7 years BEGINNING ON THE DATE OF DEFAULT!  Creditors and collection agencies are good at moving up this date, or even reinserting it after it has expired.  Verify this date with your own records if you have them.\n\nSend a letter to the credit reporting agency (CRA) and protest any negative information.  The CRA will then "verify" the debt with the creditors.  That means that all the creditor has to do is respond back within 30 days and say the report is accurate.  They don't have to prove anything or supply any paperwork.  If they don't respond within 30 days, the CRA must REMOVE the entry.  This works great with some older debts.\n\nIf the debt gets "verified" (you get a letter from the CRA), then write the creditor a "Demand for Validationn" letter.  (See the link below).  Validation mean they must supply you with contracts, bills, receipts, and everything that was used to calculate your debt.  This,again, is in accordance to the Fair Credit Reporting Act.  \n\nIf they send you this information, and it is complete and accurate, you have hit a brick wall and there is no good way to remove the entry, unless you can sweet talk the creditor into removing it on their own.  Not likely.\n\nIf you do not hear from them in 30 days, send a copy of your validation letter, plus another demand to the CRA to remove the entry due to lack of validation.  \n\nIf they still will not remove, you have grounds to sue both parties in court.  \n\nAnd yes, Mr. Collection Agent, this is a fact. I'm doing that very same thing right now.  Funny how responsive creditos are they THEY are the ones getting sued.\n\nYou are about to go to war.  Knowledge of the law is your only weapon.  Don't fight these guys unarmed!
225376
Cleaning up your credit report will involve several steps.  I've enclosed a link that will show you what to  do, and some sample letter templates.\n\nIn a nutshell....\n\nGo to www.annualcreditreport.com and get a copy of your credit reports.\n\nExamine the report for errors.\n\nSend a letter to each of the credit bureaus and report any errors or disputes.  They have 30 days to investigate and report back to you.\n\nIf the item on the report stays, you need to contact the creditor, demand that the VALIDATE the debt.  They have 30 days to send you copies of bills, receipts, contracts, and anything used to calculate what you owe them.\n\nIf they do not respond in 30 days, send a copy of the Validation Request letter and another demand to the credit bureau, and demand that the report be removed.  \n\nYou are about to go to war...you need to arm yourself.  Read up on the Fair Credit Reporting Act (do a search on the net).  \n\nJust remember, true and accurate information will not be removed from your report, no matter how loud you complain.
269204
The date you file Chapter 7 Bankruptcy is the date any legal debt claims(except IRS) must stop. Any claims against you must be passed by the Bankruptcy judge for approval.\n\nThis is easy, if this judgment was obtained during the time between your filing date and your discharge date, and the debt was listed in your bankruptcy, you can write the court where the judgment was located and the credit bureaus and demand the removal from your credit report.\n\nIf the judgment creditor refuses to stop attempting to collect a discharged debt you can threaten legal action. You should have some information in your discharge papers to explain this.\n\nGood Luck
779546
The fastest way to re-establish your history is by paying your current obligations -- it may take 2-3 years of this behavior to improve your credit score.  And, you will need to take care of any judgements, etc.\n\nConsumer Credit Counseling/Debt Reduction/Settlement Offers will NOT improve your credit -- these are all noted in credit reports.  They may make it easier to pay off your debt, but creditors see this as not meeting your full obligation.  While your credit score is important, most lenders look at other variables within a credit report --- CCC is a red flag for many lenders.\n\nIf you truly cannot repay your debt, it is smarter to declare bankruptcy instead of going through the CCC route.  Most CCC customers deteriorate into bankruptcy, anyway.  These agencies make a tidy profit (although most claim they are 'non-profit') from upfront fees, customer payments and/or settlement offers --- they rarely act in the consumer's best interest.  One or two years after filing for bankruptcy, you'll get credit offers again (although not under the best terms), as they know you can't re-file for another 5 years or so.
1025631
YES YOU CAN DO IT!!. I work for a bankruptcy attorney. I myself even have gone through bankruptcy back in 2005. You send all three credit report agencies a copy of your discharge along with a copy of your creditor matrix. At that point they will remove those debts from your credit report. They will then send you an updated credit report. It may take a few times to get it all removed. However, your credit report will state that you had filed bankruptcy and it states that way up to 7 years.
1114349
Bankruptcy can, and will, hurt your credit for 7-10 years (generally 10).  That being said, for some people, it does nothing at all, due to their FICO score being in the low 400's.  If you didn't get rid of any secured debt (car or home), the effect won't be felt "as" much.  You will be able to get a couple of higher interest credit cards rather quickly, which may be a good idea.  Get those check marks on your credit report.  Banks will not look at you for loans or credit cards, generally, for at least 2 years after discharge.\n\nIf you need a credit card to  help rebuild your credit, try www.householdbank.com, and www.orchardbank.com.  Also, try store charge cards, like walmart, or circuit city.  Don't go crazy with them, but use them with some wisdom, and MAKE your payments each month ON TIME.  After about 6 months, you WILL see a rise in your credit score.
187007
Lets clear up the wrong answers and guesses.\n\nA negative report on your credit history will stay for 7 years.  The date start on the day of default.\n\nJudgements stay on your record for 7 years.  Bankruptcy Chapter 7's stay for 10.\n\nRead the law folks!  Arm yourself!  Knowledge of the law is our only weapon against creditors!
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
189505
Go to several dealers and interview the finance people and tell them your situation. A car dealer wants to sell you the car so they will work hard to get you financed. \n\nIt would be helpful to you that all your accounts that were discharged in Bankruptcy report on your credit files as "Account included in Bankruptcy". IF you haven't done so then get copies of your 3 credit reports at www.annualcreditreport.com. It's free by law once a year. Review your files for accuracy and dispute any item you believe to be negative. Each investigation will take approx 30 days.\n\nWhen you are ready to buy make sure you do all your rate shopping within a 14 day period so that all the inquiries will only count as one.\n\nGood Luck
519552
A bankruptcy legally can remain on your credit report for up to 10 years.  Ideally, you want a credit score of 720 or higher.
766169
I don't think that filing bankruptcy changes the past -- you had the judgement and still do.  It's just been discharged via the courts.\n\nMost non-open items come off your credit report within seven years, but, realistically, keeping your nose clean for two years will immensely help your credit.
26973
If the reports that are in your credit report are factual then nothing you can do.  You can only wait for 7 -10 years when they will be erased off your record.\n\nHowever, if it happenned through no fault of your own, speak with the creditors and ask them to remove the negative entry from your file.\n\nSometimes you can call the reporting agency and claim you have no knowledge of a certain entry or you dispute it and they'll request more information from the creditor.  If the creditor does not reply they will remove it.\n\nEither way at least dispute it so it will say "disputed by consumer" on file, so other potential creditors will at least know you are fighting it.
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
281119
You must first understand how your credit report and credit score is figured out.  Go to the links below and learn about them.\n\nYou already paid off your debts, which is great.  But you made a mistake in not getting an agreement from your creditor to remove any bad reports off your record.  \n\nThey may still do it for you if you ask nice.  Ask them to change the account to "paid as agreed" or at lease remove the negative report from the records.  \n\nBy fixing any negative report it will help to improve your credit score.\n\nNext, study the MYFICO site and understand how your scores are calculated.  Then take the tips they give in improving it.  \n\nIt will not happen overnight.  There is no magic bullet that will fix it.  \n\nAnd don't fall for the claims from Credit Repair Agencies that they can fix it either.  They will do the very things I've mentiond, but charge you a few hundred dollars.\n\nGood luck