Consumer Protection Law
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The credit bureaus will not easily move derogatory information from your files without substantiation that the bankruptcies have been withdrawn. Go to the court where you filed the bankruptcies and ask the clerk to provide documentation that the action is no longer with the court. Once in hand send copies of the documentation to each bureau requesting that they remove the information as it is erroneous. Make no mistake, this will take time however the time taken will be less than having the bankruptcy notation for a longer period.
Thank you so much. I will inquire with JA. Good luck with everything and please let me know how it turns out.