I agree with the information provided to you by my colleagues. Since there is nothing you can do to get the bankruptcy off the report, I suggest you attempt to offset the negative by doing things that will help repair your credit. For instance, if you had a car loan that you retained and are continuing to pay, that will be a positive entry on your credit post bankruptcy. Likewise, you can look into getting a secured line of credit from a bank: money is put in a savings account and you can borrow against the value of the funds in the account - which controls spending but provides a way to have some positive reporting on your credit report so long as payments are timely made.
A bankruptcy filing is allowed to be reported for up to 10 years. Once that time passes you may dispute it and have a lawyer help you with that.
Disputes are usually reserved for inaccuracies on a credit report. If you have something other than this you want to dispute that you think it inaccurate then you would want to speak to a consumer lawyer that specializes in dealing with the FCRA. The FCRA is the law that governs what can and cannot be reported on consumer credit reports.
I hope that is helpful.
The bankruptcy reference will automatically expire on your credit reports after 10 years. I'm not aware of any means of having it taken off your credit report prior to10 years from the petition date.
i bought a used car three months ago. the dealer talked me into writing 30 post dated checks for the payments. i have had it back to him two or three times a week since the first day with engine problems. i just closed that checking account on the recommendation of my bank. told him im not paying for the car. now im worried. what should i do?
Security Deposit
I was looking to move to an apartment in Rhode Island, when the whole process began I had filled out the application with my boyfriend. The day that I was to sign the lease, he decided he didn't want to be tied down to a year lease but I didn't mind. So we asked the management group whether one if we could get the security deposit back, they said no but then I said I was willing to be responsible for the lease myself. My credit score is 579 - 597 and I make about 35K or so a year. The rent is $825. If I am still willing to sign the lease, can they deny me and keep my deposit. Or is it one or the other?
Injury in Accident Follow up Question
The vehicle my husband was on is classified as a scooter by size and speed capability. He was travelling approx 10 mph and was struck at an intersection, she was approaching from his right and he was travelling through the intersection, albeit the wrong direction but wouldn't the outcome been the same had he have been travelling the correct direction? To me, she just didn't look well enough at the intersection irregardless to his fault.
