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Getting a bankruptcy off of my record?

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  • Getting a bankruptcy off of my record?

    Hello,

    I had a personal bankruptcy 10 years ago August, 1995. I am interested in
    contacting the credit agencies to have the bankruptcy expunged from my
    record.

    Are there any tips for ensuring that the credit agencies do this and is
    there any technical terminology that I should use to increase the likelihood
    of their doing this quickly?

    Thanks a lot,

    Bob



  • #2
    Well, there are three major consumer credit reporting agencies which I am most familiar with, Trans Union, Experian and Equifax, which companies use when checking credit reports, and which likely have different information.

    Bankruptcies are supposed to be automatically removed from the records after 10 years, since it is outdated information. The CRAs are required to investigate and correct any inaccurate information when disputed by the creditor. My experience is that the CRAs respond promptly when handling a dispute.

    15 U.S.C. ยงยง1681-1681u'
    http://www.ftc.gov/os/statutes/fcrajump.htm

    Some good answers:
    http://searchenginez.com/credit_check_usa.html
    "What would a reasonable person do?"

    aryels
    A.S. Paralegal
    Criminal Justice Student--B.S.

    "Give this guy 15 cents and tell him to go to hell."

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