Page 4 - Bankruptcy Be-Gone E-Book.pdf

A few quick reminders

1. When disputing any bankruptcy, make sure that you do NOT send
your bankruptcy paperwork to the credit bureaus, (even if they
request it). This could lower your credit score if they find creditors
that are not included as part of your bankruptcy.
2. Make sure that the filing date is correct as this could affect your
score.
3. Make sure that any of your discharged accounts are not still showing
a balance on your credit report. If you see that creditors have continued
to access your credit file after discharge, contact your bankruptcy
attorney as this could possibly lower your credit score. They do NOT
have the right (or permission) to access your credit report after discharge
and there is a $1,000 penalty for each violation. Most bankruptcies are
being reported incorrectly and you
have the right to have any items investigated.

Some disputing methods for bankruptcy have led to consumers getting
the listing removed from their credit report (if the credit bureau is
unable to verify the inaccuracies within a reasonable time period).
Although there is no guarantee, the entire bankruptcy could be
removed from your credit report. That is the goal of this guide,
however not promised. Your credit score could still increase if the
bankruptcy is reported correctly, so it is worth the review. Although
Chapter 13 bankruptcies are usually deleted in seven years, they could
remain on your report for up to ten years because they are covered
under Title 11 of the United States Bankruptcy Code. Bankruptcy Act
(11 U.S.C. 301) Section 605(a)(2) Many times, accounts which were
included in bankruptcy filings are not updated to reflect on your credit
report. This could lower your credit score, so make sure that you
dispute that information listing each account/creditor showing those
creditors were included in bankruptcy.

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