***How do you dispute bankruptcies on your credit report???!!!!***?

My hubby and I are in the middle of a bankruptcy (chap. 7). It will be discharged sometime next month. I heard you can dispute bankruptcies, but how do you do it?? How would write a letter to them, who should I write it to, the creditors or the credit companies like Transunion or Equifax? PLZ help!

Public Comments

1. You can dispute anything that's on your credit report, but the credit bureaus are only obligated to remove information that is false. A bankruptcy is a public record that will remain on your credit report for 10 years. If you have actually filed bankruptcy, then there is no legal way to have it removed from your credit report before that 10 years is up.
2. Yes it's true, legitimate bankruptcies cannot be legally removed from your credit report. That's one of the sacrifices you make in filing for bankruptcy.
3. Pish posh I remove them all the time. here is what you do, go to www.truecredit.com subscribe to their credit reporting services, you can check your credit every 24 hours without it being an inquiry, you can also dispute ANY item online, for free ! What you do is dispute the bankruptcy with a generic dispute such as, " I didnt file that", the burden of proof is on them to prove you did. The federal government is horrible at coming up with the right paperwork, most of the time they dont even try to prove it, they just throw the dipsute letter away, and after 30 -45 days of them not responding, it gets removed automatically. Is it right? Thats not me to judge Is it wrong? Thats not me to judge either. I just report the laws and acts, and we operate to the extent of the law.
4. Removing a BK from your report if accurate its very difficult but can be done.First you must know that it is illegal to dispute accurate information, Now that said you need to dispute creditor that showing discharged by BK first this will give you a better opportunity to remove the bankruptcy.How do you dispute? First you need a copy of your report you should go to www.annual credit report.com or you can buy it on line from the credit bureau like www.transunion.com or equifax.com that way you can dispute the derogatory items.If all fales write to me at ajf.funding at gmail.com
5. Equifax: 800-685-1111; www.equifax.com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com you could write a letter to them as well http://ebooks.interkeys.com/money/repair_credit3
6. If you're in the middle of a bankruptcy proceeding, why would you dispute a bankruptcy? I think you may be confused. Unless the bankruptcy isn't yours, then there's no point disputing it.