How to Remove Bankruptcies/Public Records From Credit Reports

1) Do not skip or cut any corners in these instructions. READ EVERYTHING. If you skip a step there will be a smaller chance it will work, and if it does, it could come back on your credit reports.

2) You must clean your tradelines FIRST. If you have not, follow the directions here. If you don’t, you will be less likely to get your bankruptcy/public record removed, and if you do it could come back later.

3) IF you have a bankruptcy reporting on your credit report(s), write a letter to the Bankruptcy Court where your bankruptcy is recorded and ask them if they report bankruptcies to the credit bureaus or any third parties. Send them a self-addressed, stamped envelope for them to answer you. They will say they do not. Keep this letter. Each District in each State has a different Bankruptcy Court.

4) If you have a bankruptcy reporting on your credit report(s), do the same with Pacer as in the Bankruptcy Court, except email them at this email address:

Pacer@PSC.USCourts.gov

5) Download your bankruptcy/public record here:

https://pacer.uscourts.gov – Get a Screenshot of the case summery with the Transaction Receipt.

6) Download your LexisNexis Report here:

https://consumer.risk.lexisnexis.com/request
(request everything available)

For bankruptcies/public records (NOT tradelines), compare LexisNexis Report to the Pacer bankruptcy/public record report. Take note of ANY TYPE of inaccuracies – ANY. Send a letter via USPS Certified Mail. Try to avoid sending in your State ID or Social Security Card or using your full Social Security Number. This may not be possible.

Here is how the letter should read:
(Your Name with only middle initial)

(Last 4 of Social Security Number)

(Date of Birth)
(New Address)

(Phone number)

The entry with reference number: (your bankruptcy/public record reference number) filed in (Full date bankruptcy/public record was filed) with this court appears to be inaccurate. This is an inaccuracy: (list inaccuracy, do not correct it, just say what is wrong)

Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

Please also send me an updated Consumer Report that reflects the changes that you made.”

Name

Send USPS Certified Mail letter to:

LexisNexis Risk Management Inc.
P.o. Box 105615
Atlanta, GA 30348-5108

Once that dispute letter gets sent in they have 30 days for them to respond. If they take longer, you can take them to Small Claims Court (Google the local address).

7) If they say they verified your bankruptcy/public records with Pacer, send them this letter with a copy of the email Pacer sent you:

Write a new certified mail letter to them saying that this is not true. Say

(Your name only Middle Initial or how you changed it on your credit reports)

(Last 4 of Social Security Number)

(Date of Birth)
(New Address)
(Preferably New Phone Number)

I DEMAND the bankruptcy be taken off my credit report or I will report you to the CFPB (Consumer Financial Protection Bureau). I am also contemplating legal action.

Please include a copy of my updated report.

Your Name

Include COPIES of:

a) The the email from Pacer that says they do not verify bankruptcies.

b)The letter you sent them asking for your bankruptcy to be taken off,

c) the letter asking who verified the bankruptcy, and

d) their responses to these letters with a new letter.

e) Copies of all Certified Mail receipts.

8) Computer print/type a letter to each of the credit reporting agencies and ask them to remove the bankruptcy from your credit reports. NOT “your/my” bankruptcy, “THE” bankruptcy. Say you dispute it. Use plain English and don’t lie. Ensure you list your:

a) Full Name
b) Current NEW address / P.O. Box
c) Full social security number and
d) Your birth date,
e) Your reason for dispute (worried about identity theft)
f) Confirmation number found on Equifax credit report if you can find it. (Equifax Only)
g) Bank or insurance statement sent to your address and bearing your name (Experian only)

9) If they take it off, you are done. They probably will tell you the bankruptcy was verified.

If they do, you need to send another letter, with a COPY of the letter they sent you, and ask who verified it. The answer they give is almost inevitably a lie. They will probably say the court verified it. If they take more than 15 days to answer you, you can take them to Small Claims Court. KEEP YOUR USPS CERTIFIED LETTER receipts.

10) Write a new certified mail letter to them saying that this is not true. Say I DEMAND the bankruptcy be taken off your credit report or you will CFPB (Consumer Financial Protection Bureau). Tell them you are also contemplating legal action.

(IF LexisNexis deleted your bankruptcy, provide a copy of your updated LexisNexis Report.)

Give dates you certified mailed them, as well as the dates they responded.

Include COPIES of:

a) The letter from the court that says they do not verify bankruptcies.

b) The letter you sent them asking for your bankruptcy to be taken off,

c) The letter asking who verified the bankruptcy, and

d) Their responses to these letters with a new letter.
e) Copies of all Certified Mail receipts.

11) TransUnion sometimes is difficult because they get their information from LCI. I won’t get into the specifics, but there will probably be a class-action lawsuit in the future.
If TransUnion continues to refuse to take the bankruptcy off, send them USPS Certified Mail copies of EVERYTHING you have sent and received from them. Include current copies of your other two credit reports that now do NOT show bankruptcy. Write a letter explaining everything again and say it is not on your other credit reports. Hopefully, this will work.

12) If any of the credit bureaus don’t comply, file a complaint with the CFPB and let them handle it.

https://www.consumerfinance.gov/ 

Tell them  what the credit bureau is doing and include COPIES:

a) The letter from the court that says they do not verify bankruptcies.

b)The letter you sent them asking for your bankruptcy to be taken off,

c) the letter asking who verified the bankruptcy,

d) The letter which you demanding they take the bankruptcy off

e) their responses to these letters with a new letter.

f) Copies of all Certified Mail receipts.

IF you can’t get something off AND you have done EVERY step on this website, contact me here:

EMAIL Free Credit Repair Information (ONLY when you have completed EVERY STEP AND IT DOESN'T WORK!)

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