Short advice excerpt (YouTube) from Daniel Rosen explaining that bankruptcies on credit reports can sometimes be disputed and removed. He recommends consulting a consumer law or FCRA attorney to review credit reports and notes that bankruptcies are public court records gathered by credit bureaus (not provided by courts), which creates dispute opportunities.
Here's the thing to remember. Whenever there's a bankruptcy on a credit report, a great first step is to talk to a consumer law attorney or an FCRA attorney. Send them the report, have them review it, and get feedback on it. What a lot of people don't tell you is that there are ways to dispute bankruptcies and even have them removed from your credit report. Bankruptcies are filed with the courts, not with the credit bureaus, so that means they are public records. Most people don't realize that public records aren't reported to your credit report by the courts. No, the credit bureaus are actually going out and gathering these records on their own, and I don't think that's very fair.
