Bankruptcy Removal Services

Bankruptcy is a legal process that allows individuals or businesses to eliminate or restructure their debts under court supervision. Chapter 7 bankruptcy (liquidation) allows you to discharge most unsecured debts but may require selling some assets; it remains on your credit report for 10 years. Chapter 13 bankruptcy (reorganization) creates a 3-5 year repayment plan and stays on your report for 7 years from the filing date. Both types severely impact your credit score and make it difficult to obtain new credit, mortgages, or even certain jobs.

While we cannot remove a legitimately filed and accurate bankruptcy before its statutory reporting period expires, we can dispute inaccuracies in how the bankruptcy is reported. Common errors include incorrect filing dates (which affects when it should age off), wrong discharge dates, accounts included in bankruptcy that are still showing as active or delinquent, and duplicate bankruptcy entries. We also help ensure that accounts discharged in bankruptcy are properly updated to show zero balances and are not being reported as charge-offs or collections.

Bankruptcy is one of the most damaging items that can appear on your credit report, potentially dropping your score by 130-240 points. While bankruptcies remain on your report for 7-10 years depending on the type, inaccurate bankruptcy information can and should be disputed. Our bankruptcy removal service helps you challenge errors and work toward improving your credit after bankruptcy.