Is a bankruptcy haunting you? Most of the time getting a bankruptcy removed from a credit report is nearly impossible but a good bankruptcy attorney or credit repair services can have success getting the item removed.

Bankruptcy is one of the hardest items to have removed from your credit report.

A bankruptcy is perhaps the single most damaging item one could have on a credit report. This is why it is imperative to challenge the reporting of the item. Is it reported accurately? Is it being reported past the statute of limitations in your state? By most state laws a bankruptcy can be listed on a credit report up to ten years from the date of filing.

It’s your right!

Most consumers don’t know that they have the right under the Fair Credit Reporting Act to have all items on their credit report verified by the three major credit bureaus. – Experian, Trans Union and Equifax. In writing and mailed certified through the U.S. Postal service you have a right and an obligation to ask each of the bureaus to verify the bankruptcy. Chapter 7 and Chapter 13 of the Bankruptcy code are very complicated and each has varying requirements and standards from the other. Again, it’s wise to consult a bankruptcy attorney or credit repair attorney to help you understand the differences. The three major credit bureaus are required to check public records to verify a bankruptcy. Sometimes they can’t be bothered to do all that work. There have been instances where the credit bureaus neglect to defend the listing on the report and thus are required by law to delete it from the report entirely and fix your credit.

A new start

A bankruptcy isn’t the end of the world. Think of it as a clean slate. Make a commitment to live within your means and treat credit responsibly. Check your credit report regularly and dispute anything and everything you find questionable or derogatory.

You might find that dealing with a bankruptcy and trying to remove it from your credit report is beyond the scope of your abilities. That’s okay. There is nothing wrong with taking responsibility for your financial future and asking for help. We recommend you contact Lexington Law Office. The kind staff at Lexington Law Firm are well qualified to answer your questions and possibly get your bankruptcy removed from your credit report.