How to Remove Bankruptcy from Your Credit Report?

how to remove bankruptcy from credit report

Bankruptcy, Your Credit Score, and Your Credit Report

Bankruptcy can severely harm your credit score. Depending on your existing score, a bankruptcy can drop your FICO score in a range of 130-240 points. Given the harm a bankruptcy causes, you’d want to remove it from your credit report as fast as possible.

Many landlords check credit reports and the presence of a bankruptcy could lead to the rejection of a rental application.

“I didn’t realize that my credit was holding me back from renting an apartment. After signing up with this service I now have a place I can call home! Thank you US Allied Financial and team!”

– Alejandro V.

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A bankruptcy notification appears on your credit reports, listed in the Public Records area after you file for bankruptcy. Your credit report shows which bankruptcy you filed for, the filing date, and the date of discharge or dismissal.

The accounts you include in your bankruptcy will also have a notation on your credit report that will show anyone viewing your report that a bankruptcy took place. Under each account listed under your bankruptcy, there is a notation that will state, “Account included in bankruptcy.”

Removing Incorrect Bankruptcies

There are a few ways that it is possible for a bankruptcy to appear on your credit report improperly. The most common are due to a confusion about identity, such as:

  • You have the same first and last name as someone who actually filed for bankruptcy.
  • There is confusion over the suffix to your name. For example, John Smith, Jr. ends up with the bankruptcy showing on his credit, when his father John Smith Sr., is the one who filed.
  • Your Social Security Number is confused, in error, with another person whose SSN is similar to you.

If you did not file for bankruptcy, but your credit report shows that you did, US Financial Allied will check with the court and verify whether your dispute is correct or if you are in fact listed as having filed for bankruptcy. If you did not file for bankruptcy, the notation will be removed.

Can US Allied Financial Remove Bankruptcies Successfully?

US Allied Financial will work to remove bankruptcies and more severe financial setbacks such as mortgage foreclosures, car repossessions and bankruptcies from credit reports, however, we do not guarantee results. Our clients are protected with our 30 day warranty. If you sign up for service with US Allied Financial, and do not see any questionable items deleted from your credit in 30 days, you will be entitled to a full refund. This does not mean that your credit will be fixed completely during that period, typically you should see some of your questionable negative items deleted in this period.

Let us help you fix your credit.

Call for a FREE credit report consultation.