How to remove bankruptcy from your credit report

Because so many people have requested information on how to remove their bankruptcy I decided to furmish this report explaining how this is done.

The Situation: This technique works much better and smoother if you change your address of record before you file bankrupty. That is go to a different State and get an address FIRST. It is even better to go to a different State in order to get into a different Federal Bankruptcy Court District.

Filing Chapter 7 is better and quicker than Chaper 13 Bankruptcy.

After the bankruptcy is discharged. You will be living in a different State than you filed in.

Make sure its in a different Federal Bankruptcy Disrict. He farther away the better.

The address associated with the Bankruptcy can even be a P.O. Box. You can file Bankruptcy yourself. You do not need a lawyer.

You can buy the forms in an office supply store or lrgal forms store.

First: You opt out of everything on the Internet that will connect you to the address you filed bankruptcy from. If you were smart and got an address in a different State just for the purpose of filing your bankruptcy, then this will be an easy step. You do not want one single shread of anything that will connect you to the two addresses.

Second: If you did not get an address to file bankruptcy from (described in step one) then You go must get a new address as your residence. Now go through all of the bureaus and start disputing off all your old addresses. ( the one associated with the bankruptcy) Make sure all the Bureaus have only your new current address. At the same time, write and notify all of your previous creditors and current creditors to make sure everyone of them has the same new address for you.

Third: After the all addresses associated with the bankruptcy have been deleted, Simply dispute the public record as “someone with similar name.� Note the vast majority of your credit report will probably be charged off accounts.

Equifax usually iust deletes the bankruptcy.

TransUnion and Experian will not.

Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individual’s social security number or tax identification number. If you filed your bankruptcy Pro Se, (yourself) and in doing so you must know the rules so that you will know to file a motion to seal all documents with the court. Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is: (1) Your Full Name; (2) The Last Four Digits of Your Social Security Number and (3) YourAddress.

Fourth: Write the Clerk of Court for the United States Bankruptcy Court, That you filed your bankruptcy with.

This is what to write: “Dear Clerk, My name is (your name) , and I am writing you because an entry appears of my credit report which states that I filed bankruptcy in your district. Could you please explain to me how this might occur?

From my understanding only the last four digits of a debtors social security number are released to third parties, pursuant to the Federal Rules of Bankruptcy Procedure. Any information you can provide me would be appreciated.

Sincerely, Your Signature

This is The reply letter you will get from the Clerk : (or one worded very close)

“Mr. You, The United States Bankruptcy Court for the ______ District of _______ does not provide any information to any credit bureaus, all information they obtain is via third party. You are correct that pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtor’s social security number along with their full name and address can be released. In order to obtain a debtor’s full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter.

Sincerely, Clerk of Court”

NOW Fifth: With this information in hand you write TransUnion and Experian’s executive office staff, because You no longer have the address associated with the Bankruptcy on your report.

So type up an email and sent it off. to Experian and TransUnion and this is what to say : “Dear XXXX, My name is (your name ) and I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with a similar name to mine filed bankruptcy in the _____ District of _______, and it appeared on my credit report. Throughy our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine.

Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor’s full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.

Sincerely, Your Signature” You will receive prompt replies from both Experian and TransUnion. You will probably be asked to call them and explain the situation, also ask them how this bankruptcy was verified. Thus questioned they will usually inform you that the bankruptcy was deleted while we were on the phone.

TransUnion, will give you the same speech, and will tell you that its placed under investigation with the note to delete it. It wont happen that day, It will happen several days later but it will get removed.

Sixth: Now go through and dispute all the charged off accounts, explaining in your dispute letters that there was no bankruptcy and it had been deleted and these accounts needed to be deleted too. In Several weeks you will receive your disputes back and all of the charged off accounts will be gone.

Made sure before disputing the charged off accounts off that all the old addresses were removed.

Usually during the phone call with Experian they manually remove several addresses.

Each and every situation is different, This guide helps those who would like to remove their bankruptcy. And yes, You will see quite a nice jump across the board on all of your credit scores once it is deleted along with all of charged off accounts. Good Luck!