Retired170

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Member Since: June 2015

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Will a bankruptcy come off automatically?

Apr 27, 2019

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I have just mailed letters to all 3 credit bureaus a couple weeks ago, requesting that my 8 yr old Chapter 7 bankruptcy be removed.  One sent back a "you requested our "dispute" process" (which was not what I requested) and I haven't heard from the other two.  I have scores above 700, only one secured credit card that I have only 6% usage on, and a home equity loan that is 60% paid off in 40% of the loan term.  I have no mortgage or car payments and no other debt at all.  I am hoping to get this bankruptcy removed sooner than 20 years.  Any advice?  THanks!