How to Remove Chapter 13 From Credit Report

Bankruptcy can cause long-lasting damage to your credit score. Many lenders will see this as a red flag, and refuse any loan requests. Thanks to the Fair Credit Reporting Act, you have the right to challenge any information that you believe to be inaccurate. They must investigate and remove anything they find to be false. Using this strategy, you should be able to expedite the removal of a Chapter 13 bankruptcy from your credit history as long as it has passed the necessary seven years.

Instructions

1

View your credit report online at AnnualCreditReport.com. You can view all three major credit reports for free once a year (Equifax, Experian and TransUnion). This will confirm if the bankruptcy is in fact present on your credit history.

2

Send a registered letter to each of the three credit bureaus requesting the removal of the bankruptcy. Include copies of legal documents proving that enough time has passed and the information should be removed. They have to respond to the request within 30 days unless it is considered frivolous. If the information is correct, you should have little problem getting them to correct it.

3

Ask for a list of anyone who has received your report in the last six months. You can request that a copy of the dispute be included in your credit report, or can have a corrected report sent to anyone in the last two years who have received your report for anything job related.

4

View your credit reports again. Most of the time the information will be corrected without much hassle, but sometimes it can reappear on your account. Viewing your reports after a change has been requested does not use up your free yearly report option, so be sure to verify the changes have taken place.