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Over 34 years, I have assisted my clients with debt problems having filed more than 32000 Chapter 7 and Chapter 13 Bankruptcy petitions.
Under the requirements of the Federal Trade Commission, public records such as bankruptcies and tax liens stay on credit reports for eight years. And this is regardless of whether the debt has been paid or not. Sorry. Thanks for understanding.
So how is it that these credit organizations like lexington law clean up your credit report if stuff like this has time to stay on the report. My bankruptcy was 9 years ago and the tax lien was in 2009. What about inquires I read some where that you can request to the credit report agencies to remove them and they will is that true? I am not talking about errors just regular ones to be removed..
You must contact each credit reporting bureau. And their disputes forms can be found on their web site. Likewise, if there is an error, it will be removed though the process is very slow. For example, my wife had some inacurrate informaton on her report that needed to be corrected before we could refinance our home. And it took me, an attorney, over a year to correct. So you need to be patient as well.
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