A bankruptcy is a very devastating event, and rebuilding afterwards is a difficult task. However you can repair your credit and without waiting 10 years. You can have all those negative marks and the bankruptcy removed from your credit report.

The first step is to remove all the negative accounts that say "included in bankruptcy." This is done by disputing credit or the bankruptcy mark with the credit bureau. You must explain why the account is inaccurate, reasons often include; not my account, item out of date, information is wrong.

Then the bureaus will contact the lender or collection agency and verify the debt. However it is common for lenders and debt collectors to clear the books of accounts that have gone into bankruptcy.

Then because the bureau is unable to verify the negative mark they must remove it from your credit report.When you have all the negative accounts removed from your credit, you can then dispute the bankruptcy.

You will have to send a letter to each credit bureau to dispute that listing. Often your dispute letter will be responded to with a letter asking for more information. This is a stall tactic the credit bureaus use to avoid investigations.

Bureaus do this because it costs them potential profits to investigate disputes.

This comes down to a lot of work and a lot of organization on your behalf. Doing this on top of working full time and providing for a family is a daunting task in itself. We suggest credit cleaning services such as, the Lexington Law Firm who has been in business for over 17 years with a 1/2 million satisfied clients.They are very affordable and have advanced dispute techniques to remove any stubborn negative listings.

"HOW I DELETED CHARGE OFFS, COLLECTIONS, AND LATE PAYMENTS & RAISED MY CREDIT SCORE 177 POINTS!"

Learn How I Improved my credit score from 530 to 707 by deleting stubborn charge offs, collection agencies, and late payments from my credit reports -

"I went through some hard financial times a little while back. I lost my job and as a result I struggled to pay my car payment and credit card bills.

I was devastated.

I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.

To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.

I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.

They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving.

Below is a chart demonstrating the progress I made:

I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:

$7,411 Discover Charge Off | $1108 Credit Card Collection | 90-Day Late Payment - DELETED!

$1,114 Collection Agency & $606 Collection Item - DELETED

$2,289 VISA Credit Card Charge-Off Deleted | 90-Day Late Payment - DELETED!

Lexington Law's Credit Attorneys cleared up other negative items including a medical collection item, charge offs, and a judgment.

My Credit Score is now 707 (which is above the national average). It continues to improve every month. I actually look forward to checking my credit score.

Here is a copy of my Credit Score:

My Current Credit Score - 707!

I recommend the Lexington Law Firm to anyone who is shouldering the stress and frustration of bad credit. Lexington Law has experiencing deleting all types of negative credit items including judgments, foreclosure, and more.

The results really do speak for themselves. Lexington Law has helped many people repair their credit reports. In fact, according to the Lexington Law Website, they deleted more than 600,000 negative credit items including collections, foreclosure, late payments, charge offs, repossession, and bankruptcy!

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