Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Bankruptcy
Profile Image

Question By
ruth5599

1 Contribution
5 People Helped
Can I rEmove the BK OFF MY CREDIT REPORT

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7361 Contributions
3808 People Helped

Helpful to 12 out of 17 people

Your bankruptcy remains for 10 years from being filed.  Cannot be removed before then.

Top Contributor
12 Contributions
88 People Helped
Most Helpful Response

Shady ways

Helpful to 2 out of 2 people

There are shady ways to remove bankruptcy from your credit report.  It is not recommended nor am I sure it is legal. The credit agencies will report accurate info.  But can not report disputed unverified information.  So the first way is to dispute it saying something about is wrong, a date etc...  And HOPE the federal agency does not reply within the necessary timeframe.  Another option is applying for a TIN and establishing credit with that number.  Again not sure of the legality nor am I recommending.  

Reply by
bhoover3

1 Contribution
1 Person Helped
Helpful to 1 out of 2 people

It is your right to dispute any inaccurate or unverifiable information on your credit report.  Credit reporting agencies do make mistakes and you have the right to have any information verified.

However, it is completely illegal to create an new identity or use a TIN to hide information from future creditors.  Do not listen to anyone that tells you to create a new ID.  Yes you can dispute anything, but no you can not lie about it or commit fraud.

1 Contribution
5 People Helped

Remove BK

Helpful to 5 out of 8 people

The aswner plasea what can i do

Top Contributor
7361 Contributions
3808 People Helped

Helpful to 1 out of 1 people

Ruth5599, if it is YOUR bankruptcy, it is part of your credit history and cannot be removed by any legal means (and I certainly do NOT advocate any illegal means). 

If it is NOT your bankruptcy, you need to check all three credit reports (something you can do for free once a year) and dispute that entry with the credit bureau reporting it.  That procedure is covered in the articles and numerous other postings on this forum, so you'll need to do the research.

1 Contribution
2 People Helped

Re Bankrupycy

Helpful to 2 out of 3 people

I was talking to a Lexingrton Law agent last month and he led me to believe that something CAN be done - but I am not sure what.  I, like the other responders, had thought there was nothing one could do.  For what it is worth you may want to talk with them.

Reply by
heathhot1

1 Contribution
2 People Helped
Helpful to 2 out of 3 people

Dont use Lexington law. they will only take your money and everything they can do you can do. I payed them for months got better results by myself.

Reply by
glowingbea

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

I was contacted by them also,but they charge $95 per month to keep tabs on your credit score and alerts, but never really said how they were to help improve it. If I am to fork out $95 monthly, I can just use that to pay on credit deliquents myself.

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.