I filed banktrupsy six years ago?

Brandi F · #1 09-07-2007, 08:55

I just went on there to free credit report.com and found out my credit score is 576 and there is still some things left on there can they do that or can I have that taken off so that my credit score goes back up or am I stuck in banktrupsy hell the rest of my life.

stevesherri · #2 09-07-2007, 09:05

there are 3 major credit report companies and you'll need to write letters to each of them asking that your report be updated. it usually takes about 10-11 years for your report to clear up after a bankruptcy - here are the 3:experian, equifax and transunion - all 3 can be found online.good luck!

Wassime · #3 09-07-2007, 09:15

You can dispute the issues with the credit bureaus. If you pulled a free report, it is very easy. At the top of the page, it will say dispute. The bk will stay for at least 7 years and it does ruin your life - you should always keep a line open through bk to help establish credit afterwards. As far as them keeping it on there, it depends on which chapter you filed; dispute it! It can't hurt. I currently have a customer that filed bk in 1994. It is still showing up on their credit bureau and they are paying a lot higher rates than they should be. Bk usually drops off after 7-10 years; it can stay for up to 20 years though.

thana · #4 09-07-2007, 10:55

You can visit http://www.cashguru.info and find very useful tips and several articles on credit related matters.

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