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redelrod

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for a fee can report be cleaned
one year ago my chpt 13 bankruptcy was discharged..my credit report is still showing all the debts cleared through this action...h ow can they be removed..also I have a collection I have no idea what it is..my bankruptcy was filed in 2009 when will that come off...what about companies that say for a fee they can get all of it removed

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The companies who claim they can clean your credit report for a fee are scammers looking to take you for all they can get, and they'll take plenty!!  Don't fall for it.

You had accounts that were late when you filed under Chapter 13 and those accounts are part of your credit history, so will stay on your credit reports for a  total of 7 years from the date the bankruptcy was completed, since a Chapter 13 is also knokwn as "Wage Earner's Repayment Plan."  This also should remain for 7 years past the date it was completed.  I've been there.

As for that collection, check all three credit reports (please do this once a year every year from now on) which you can get at annualcreditreport.com.  Look them over carefully and file disputes about all wrong information (such as that unknown account in collections) with the credit bureau reporting same.  They have to investigate and either verify or delete the disputed items.

Work to keep all payments current so that you don't have to do the bankruptcy thing again.  Life is so much better that way. 

Top Contributor
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Ya, What JWsisters said +

never pay some one to do what you can do for FREE.  They have to follow the same steps that you would. And will charge you in the neighborhood of $75 to $100 per form to do it.  and all they do is fill in the blank on a pre-printed form.

You can find "Validation Letter" templates on-line  google it. Read up on how and when to use them, Its easy to do and takes about 10 mins to write your own, then you can fill in the blanks. 

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