How Do You Erase Bankruptcy From A Credit Report?
These days, credit repair companies are everywhere. They promise to fix your credit by erasing repos, foreclosures, late pays and even bankruptcies. But this process isn’t difficult and you can do for yourself what they want to charge you hundreds of dollars to do. Contact all three of the major credit bureaus: Experian, Equifax and Trans-Union; you can access them by telephone, by mail or online. Order a credit report separately or all in one report by going through various websites. Study what is on your credit reports; go over them with a fine-tooth comb. You are checking for accuracy because it’s a well known fact that credit bureaus and the creditors that report information to them can and do make mistakes. However, if you actually filed for bankruptcy, it will stay on your credit report for 10 years, at which time it automatically drops off. Find any incorrect information that is on your reports and then challenge that information. The Fair Credit Reporting Act states that you ha
