Cleaning Up Your Credit Report

[HRx]

Do you mind posting a thorough "how-to"?

[tinroofrusted]

There have been so many questions about charge offs, etc, I just want to write a little bit.

First of all, anything that is included in bankruptcy MUST say that on the credit report. NO MATTER WHAT.

There should NEVER be a "charge off" or a balance showing. It should always always always say $00.00 balance Included in Chapter 7 bankrutpcy. For them to report otherwise is against the law.

I started disputing the DAY of my discharge. MOST of my creditors had already properly reported my accounts in Chapter 7. Those that didn't I got on the ball with and made them report accurrately.

Just remember this: it is against the law to put false or misleading information on a credit report. Creditors CAN and have been held liable in courts for falsely supplying misleading and false information to the credit bureaus.

Hope this helps!