Removing a Bankruptcy From your Credit Report
A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports to many lenders is the only thing they need to see to determine you are completely unworthy of credit.
Many people will tell you that it is impossible to remove a bankruptcy from your credit reports. The truth is that you can dispute a bankruptcy the same as you can any other type of derogatory account on your credit report.
Note that whether the account is “really” yours or not has no bearing on the credit bureaus responsibility to verify it. If it cannot be verified, it must be deleted. Period. According to the Fair Credit Reporting Act, the burden of proof is on the credit bureau.
Please let it be clear that it’s never ever wise to be dishonest when communicating with credit reporting agencies, plus it is totally unnecessary. There are many ways to dispute the bankruptcy without lying.
