is there any way to remove banckruptcies from youre credit?
339288
No. They will remain on your credit report for 7-10 years. Unfortunately that is the price you pay for claiming bankruptcy. You can still re-build your credit with secured credit cards and after 3-4 years you should be eligable for car loans, home loans etc.
68414
K, I don't know about paying some one.  Look for private owners (apartments that are small, like one building, or several buildings with multiple private owners)  private owners are less likely to check your credit history.
843240
Call your credit card company and have the card cancelled. Tell them who is defrauding you.
475506
YES!!! \nDont do it.  My wife and I did it and when we went to buy a new car it showed up on our credit report.  It wasnt as bad as a bankrupcy but it did put a negative hash on it.  We were still able to get the new car loan but it really mad me mad at myself for not looking into that first.  Should have just paid them off by myself.
482749
I'd first start with disputing them with the credit agencies they're reporting to. If any come back as verified, I would then send them a debt validation letter (asking them to show you proof you owe THEM and no one else,the money for the account ), mailing it certified mail return receipt requested. If they can not validate they must remove their tradeline.
889320
Yes, I have helped many, many people do this.  First know that the bureau must verify any debt you dispute.  If they can not verify it, it must be deleted.  They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
77657
Many companies that deal with lots of monies or goods check your credit nowadays.  This has become a common practice.  Also, companies that deal with other individuals sensitive information (SSN and such) do credit checks.  They use this to weed out those with bad credit because they feel that they are more likely to be tempted to do illegal activities for money.\n\nHowever, I do not then that there is a way to get around it.
686380
I love all these idiotic answers to just "pay your bills".  \n\n\nThere is an excellent article you need to read on this...see the link below.  It gives a good step-by-step on how to get your credit score cleaned up.\n\nBe advised that if the debt on your report is accurate, and the creditor properly validates it, you can not get it removed from your history.  It will have to come off after the 7 year reporting period expires.
807218
It takes time to restore your credit. You can't buy it back, that would be illegal.
498396
Contacting the major credit bureaus requires patients and persistence. I would first look at the Federal Trade commission web site for options. Also, you will be better prepared to deal with them after you look at the FTC site.
734344
checks bounce....\nIt is important to keep your credit clean
979862
steal your identity - manipulate your banking - eliminate your credit rating etc etc etc
142090
Yes! I didn't know this either but I am getting crazy loans for college and I filed bancruptcy, had 2 repos after that and have done nothing good for my credit!
345103
What is it you are trying to do?  Remove a past credit listing placed because you were late with car loan payments?\n\nKeep in mind that now the loan is paid off they may not want to cooperte with you on this.  Just ask them politely.  Tell them you have paid off the loan, you are an active credit union menber and would appreciate if they can help you restore your credit.  At least have the listing updated to show the loan is paid in full.\n\nTalk to someone in the collections department.  They know what a letter of deletion is, they are acting stupid!
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!
612613
Sometimes.\n\nYou should write a letter the the credit bureau and object to it being there.\n\nIn fact it is good to do that with all negative information, because if the posting company does not write back and oppose it being removed, the credit bureau has to remove it.
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!