How to Remove a Bankruptcy From Your Credit Record


Bankruptcy is the thing which will turn your smooth life into a nightmare. Facing a bankruptcy is not easy, you have to bear continuous chase of collection agencies. You called your creditors and give them excuses but for how long you can continue this practice because a bankruptcy would stick with your credit report for 7 to 10 years. It is not impossible to remove a bankruptcy from your report; your proactive approach towards it is required.

You can file a Chapter 7 bankruptcy; it is the most effective one and will erase all debts and objectionable items from your report. It will provide you an opportunity to start your credit life once again with clean status. You may also choose chapter 13 bankruptcy; it will provide you long-term repayment plan. Court will appoint a trustee which will access what amount of money you can pay court on monthly basis in complete settlement of debt.

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It is a good way to improve your credit score but after filing a bankruptcy your records will only be removed from public records but still bankruptcy will appear on your financial statement as appearing before. You can handle your case to a reputable credit repair attorney; they know very well how to remove a bankruptcy from your credit report and can force credit bureaus by using some laws to remove it from your credit report.

Credit bureaus can legally include a bankruptcy on your credit report maximum of ten years but there is no minimum time limit described by the Fair Credit Reporting Act for retaining an item on your credit report. You can do your credit repair by your own by spending months and years from your useful time fighting with credit bureaus. Or can handle your case to experienced law firm for getting immediate positive results in a couple of days.


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