Daniel Rosen walks through disputing a bankruptcy on your credit report. First, challenge it with the bureaus and make them verify with the court clerk. If they claim they verified it, get the clerk to write that they don't report to bureaus, then send that letter back to force removal.
Well, let's say, theoretically, a friend of mine needs to remove a bankruptcy from his credit report. How would he do it? So, theoretically, your friend would have to keep this a secret, because this is something that the credit bureaus don't want you to know. He will take this to his grave. Okay, so there are actually only three steps that he needs to follow. Really? Yep. So, first, dispute the public record of the bankruptcy with the credit bureaus. They will have to verify this information with the clerk of the court. If they reply saying they verified it, then step two, send a letter like this to the clerk of the court where the public record was filed. And once the clerk replies, that's where the magic happens. What do you mean? Well, the clerk will reply that they do not report to the credit bureaus. And because of this, the bureaus couldn't have possibly verified the public record. And so step three, send a copy of the reply you got from the clerk along with a letter like this to the bureaus, and they will have to remove your bankruptcy. I mean, your friend's bankruptcy. Oh.
