UPDATE‼️ A little over a week ago, TransUnion dropped the Bankruptcy on my report. Today I looked at the others online. Experian ALSO dropped the Bankruptcy from my report. 🙌🏽🙌🏽 Now I need to follow up with Equifax to see why it’s still there but this knowledge helped me and I want to say THANK YOUUUU 🙏🏽🙏🏽👏🏽🙌🏽 My son also has a Bankruptcy on his report (don’t know why he did that 😫) but I will be utilizing the same method to help him out. I have been working on my credit myself since Jan 2022 and as of April 2022, it’s gone up nearly 150 points! So proud of myself 🤗
After listening to this video 4 weeks ago, I immediately put the info to work within 1-2 days. A little over a week ago, TransUnion dropped the Bankruptcy on my report. Today I looked at the others online. Experian ALSO dropped the Bankruptcy from my report. 🙌🏽🙌🏽 Now I need to follow up with Equifax to see why it’s still there but this knowledge helped me and I want to say THANK YOUUUU 🙏🏽🙏🏽👏🏽🙌🏽 My son also has a Bankruptcy on his report (don’t know why he did that 😫) but I will be utilizing the same method to help him out. I have been working on my credit myself since Jan 2022 and as of April 2022, it’s gone up nearly 150 points! So proud of myself 🤗
@@AlecHilliard5 yes. I started mid January disputing my credit and other things. By March, my score had risen over 125 points using methods I had learned. Once I got past the collection accounts, I started researching how to remove Bankruptcy. This video was one of maybe 3-4 I watched but I chose to use only his technique. It was removed in April and my score rose another nearly 50 points! I have added a good mix to my credit since March so the points may not have come from removing the Bankruptcy alone, however.
@@blackladiesunited were you able to finally get your bankruptcy removed from Equifax, and has it stayed off of your reports? I’m getting ready to tackle mine. You’re the only one I’ve seen post of having any success. TY so much for sharing.
Great information 👍 Put what if you live at the address you filed the bankruptcy? What about removing the items listed on bankruptcy that's on your credit?
Daniel, thank you for your clear and concise explanation of the process. A follow up question. What additional step should be taken if the court letter includes the following: "Credit reporting agencies access the court's data by visiting the office or by logging into PACER with an approved login and password. Bankruptcy case information is available for any interested party to review."? The LexisNexis report even lists PACER as the source...
But…Mortgage Lenders pull public records so if you try to buy a home even though it’s removed from the credit bureau it’s still filled in Public Records
I send a letter to the clerk of the court but she called me back in stead of writing me she called me and said that they don't report to the credit bureau. So I told her to send that information to me on paper she was sounding like I was about to do some illegal things she was asking me all kinds of questions so I didn't finish my process of deleting the bankruptcy but ill will try again hopefully she will send me something in handwriting that they dont report to the credit bureau. Thank so much Daniel for the information
After a chapter 7 bankruptcy discharge, when should I start to try and remove my bankruptcy. I'm a very motivated person and will be persistent and not give up!
I have the letter back from clerk of the court and sent out to the credit bureaus along with this same letter you posted and the bureaus still say it’s been verified and updated the credit
Send a dispute letter to the third party who it’s reporting through Lexus Nexis or Pacer, ARS etc… same dispute letter… after both attempts with each.. send all letters to CFBP (Consumer Finance Protection Bureau) by filing a complaint
Hi Nashanay! I'd recommend using the Bureau Warning letter first. That's in CRC. You can also use the various Intention to File FTC Complaint letters in CRC. Insert CFPB where appropriate. And the for the CFPB complaint itself, use the form on their site, but send a screenshot of it to the bureau or crdditor to let them know a complaint was made.
Once the credit file is reporting accurate personal info on all 3 agencies. Should there be a FREEZE on the credit file before pulling and requesting deletion of bankruptcy?
Hi Daniel I removed it from experian I removed it from equifax an lexis nexis the only doesn’t want to deleted it an showing court paper is TransUnion there are using lci to report it what can I do
Question.. As for the letters send to these companies do i type it out or hand write it in a particular ink color? Can i get some details? And can i add all of names/addresses they have on me on the paper or i must contact the bureaus beforehand?
Great question! Only the round 1 letters are included in the free trial but once you have the full paid version, you can use the letter finder tool to select the right bankruptcy letter. Hope that helps 😄
got the court letter saying don't report and disputed with lexis nexis and got removed from there files sent both letters on various separate occasions still saying verified as accurate, filed cfpb report on each bureau, and cb's all close cfpb file with response to investigate and still come back as verified accurate and I have letters stating NO BK in my lexis nexis file just seems to be a he say she say now, I've seem to hit a wall. Filing a Cfpb report for me was useless. How can they let the cb's close the file before they finish there investigation. Waste of time for me, no change in results.
Wait. How can you erase your actual legal name and social from credit report when they need some sort of identity to know who you are. I understand you can erase old addresses and mistake spelling of your name and even social. Your going to have to send in a copy of your ID,social and proof of address so how can it even be deleted. There has to be atleast of name Address and social on your report.
Question, What if the court DOES NOT RESPOND ? I've sent 8, yes 8 letters and gone to the Clerk, They say Do not give letters and give you a Pacer sheet. NOW WHAT??!
Someone please help!!!!! I did ever single step he listed here ,however they still refused to remove my bankruptcy. "the company that reported the information has certified to Experian that the information is accurate ,this item was not changed as a result of our processing or your dispute." so I did all of this and they denied my request ... Can you please go more into detail on the steps next if they refuse to remove it ? Thank you!! @creditrepaircloud
THIS!!!! This was the best information on Bankruptcy removal I have gotten thusfar! I will be implementing it IMMEDIATELY!
UPDATE‼️
A little over a week ago, TransUnion dropped the Bankruptcy on my report. Today I looked at the others online. Experian ALSO dropped the Bankruptcy from my report. 🙌🏽🙌🏽 Now I need to follow up with Equifax to see why it’s still there but this knowledge helped me and I want to say THANK YOUUUU 🙏🏽🙏🏽👏🏽🙌🏽 My son also has a Bankruptcy on his report (don’t know why he did that 😫) but I will be utilizing the same method to help him out. I have been working on my credit myself since Jan 2022 and as of April 2022, it’s gone up nearly 150 points! So proud of myself 🤗
After listening to this video 4 weeks ago, I immediately put the info to work within 1-2 days. A little over a week ago, TransUnion dropped the Bankruptcy on my report. Today I looked at the others online. Experian ALSO dropped the Bankruptcy from my report. 🙌🏽🙌🏽 Now I need to follow up with Equifax to see why it’s still there but this knowledge helped me and I want to say THANK YOUUUU 🙏🏽🙏🏽👏🏽🙌🏽 My son also has a Bankruptcy on his report (don’t know why he did that 😫) but I will be utilizing the same method to help him out. I have been working on my credit myself since Jan 2022 and as of April 2022, it’s gone up nearly 150 points! So proud of myself 🤗
hi LaCicely, did you have to freeze your sub-bureau reports such as lexisnexis, ARS, sagestream, etc... before doing this?
What year did you dispute everything? 2022?
@@AlecHilliard5 yes. I started mid January disputing my credit and other things. By March, my score had risen over 125 points using methods I had learned. Once I got past the collection accounts, I started researching how to remove Bankruptcy. This video was one of maybe 3-4 I watched but I chose to use only his technique. It was removed in April and my score rose another nearly 50 points! I have added a good mix to my credit since March so the points may not have come from removing the Bankruptcy alone, however.
Hi LaCicely, what year did you file your Chapter 7?
@@blackladiesunited were you able to finally get your bankruptcy removed from Equifax, and has it stayed off of your reports? I’m getting ready to tackle mine. You’re the only one I’ve seen post of having any success. TY so much for sharing.
Thank you so much. This helps a lot
So glad I found this video. I'm definitely going to try this and report back.
Great information 👍 Put what if you live at the address you filed the bankruptcy? What about removing the items listed on bankruptcy that's on your credit?
Hey Daniel. How about if you freeze the LexisNexis report instead of disputing? Will that help?
Daniel, thank you for your clear and concise explanation of the process. A follow up question. What additional step should be taken if the court letter includes the following: "Credit reporting agencies access the court's data by visiting the office or by logging into PACER with an approved login and password. Bankruptcy case information is available for any interested party to review."? The LexisNexis report even lists PACER as the source...
That’s a great question I thought I had an answer to that in my head and either it went away or now I’m questioning the same thing.
Thank you for this. I just sent my electronic request for my Lexis Nexis report so that I can get the process started
question: do I need to have my old addresses removed from the 3 credit bureaus first before I dispute the bankruptcy?
yes
It sounded to me like you only do that if the old address was the one your bankruptcy was filed with and if it’s not your current address (?)
@@brettallender8791 what if the credit bureaus will not remove your old addresses after you requested them to be removed?
@@tinacurtis you file a complaint with the Cfpb online you can find their info. Make sure it’s a .gov website
Awesome content! thank you for always looking out for the Credit Heroes!
Thank you Jorge! Yes, that's my job!!! :)
Thank you, thank you we needed this. This is definitely a game-changer 🙌🏼🙏🏼🙏🏼
Thank you Hefziba! You've made my day! :)
But…Mortgage Lenders pull public records so if you try to buy a home even though it’s removed from the credit bureau it’s still filled in Public Records
Just joined your private group...excited to get started!
Do you use this same dispute letter to use for lexisnexis to remove it form their records? if not how do you remove the bankruptcy from lexisnexis?
Wow! These are great tips, thanks Daniel!
I send a letter to the clerk of the court but she called me back in stead of writing me she called me and said that they don't report to the credit bureau. So I told her to send that information to me on paper she was sounding like I was about to do some illegal things she was asking me all kinds of questions so I didn't finish my process of deleting the bankruptcy but ill will try again hopefully she will send me something in handwriting that they dont report to the credit bureau. Thank so much Daniel for the information
This is really helpful, Daniel! Thank you for these nuggets!
Great tip I will be putting this into effect. is there a certain amount of time you have to wait after the bankruptcy to do it?
Question? Daniel are you stating to delete the address that you filed the BR under? Even if it's you current address? Please Clarify. Thank You!
@creditrepaircloud I’m confused. Did you say to delete any information from the Credit bureaus and should match what is filled at the court?
Great info I’m doing it today
Yet another insightful piece, thank you for sharing.
Some real golden nuggets of info!
Huge help thanks. I have a happy client tomorrow
Another great resource for all the credit Heroes out there :)
This is gold!!! Thank you 🙏🏾
This detailed and inspiring video was A REAL GEM!!!!! THXXXX DAN - U RULE!!!
Wow, Thankyou Daniel.
Awesome info!
Thank you Zero! You're a Credit Hero!
Thanks for the knowledge
This is golden info right here!
After a chapter 7 bankruptcy discharge, when should I start to try and remove my bankruptcy. I'm a very motivated person and will be persistent and not give up!
This is a game changer..so glad I joined the challenge ☺
Thanks Daniel! #CreditHeroGenius strikes again!!!
Thank you so much!! I'm going to get right on this for myself and my husband. I'll come back with an update. You're very much appreciated..
Awesome episode, thank you so much for sharing!
Thank you so much S! Im glad you got value from it!!
Hi
How do you feel about freezing pacer and LexNexus then disputing with bureaus
I have the letter back from clerk of the court and sent out to the credit bureaus along with this same letter you posted and the bureaus still say it’s been verified and updated the credit
Send a dispute letter to the third party who it’s reporting through Lexus Nexis or Pacer, ARS etc… same dispute letter… after both attempts with each.. send all letters to CFBP (Consumer Finance Protection Bureau) by filing a complaint
Any update???
any update?
Just starting!! This will definitely Change my Real Estate Business for long-term SUCCESS!!
YES!
you are awesome!!! You have me considering starting my business to help others 😍
Hey thank you for this I'm definitely going to try this you are appreciated.
You got this!
@@CreditRepairCloudDanielRosen thank you 😊.
How did it go…?
Does this work in the same way for judgements?
Valuable information thank you
excellent!!
Thank you!!!!
Wow I did all of this and none of the bureaus Removing the Bk7
Did EVERYTHING you said and the credit reporting bureas still found it as verified and still will not remove.
ua-cam.com/users/shortsoc-sAOdpmFc
This is a gem 💎 ❤❤
Thank you Tiana!!!
Should NexisLexis be unfrozen for this process?
Which letter is the cfpb in the software ?
Hi Nashanay! I'd recommend using the Bureau Warning letter first. That's in CRC. You can also use the various Intention to File FTC Complaint letters in CRC. Insert CFPB where appropriate. And the for the CFPB complaint itself, use the form on their site, but send a screenshot of it to the bureau or crdditor to let them know a complaint was made.
Do I dispute the posted Chapter 13, Chapter 7 accounts listed on each Credit Bureau web page?
tHANK YOU FOR YOUR SERVICE!
Great information 👍🏽
Question do we sign the letter or print our name, date and give the docket number or anything retaining to pacer findings or account number?
You are AMAZING! Would this be the same process for Tax Liens also?
What about the accounts that’s on your credit report that’s under bankruptcy as well? How do you get rid of those???
This is my question as well.
Once the credit file is reporting accurate personal info on all 3 agencies. Should there be a FREEZE on the credit file before pulling and requesting deletion of bankruptcy?
Could you help me find copies of sample dispute letters, I looking for one that gets items off that were including in a bankruptcy
Which PACER account option is needed? CASE search only or non Attorney Filers?
I wonder the same thing..yet no replies with answers😥
How should I register. Case search only or non-attorney filers?
Hi Daniel I removed it from experian I removed it from equifax an lexis nexis the only doesn’t want to deleted it an showing court paper is TransUnion there are using lci to report it what can I do
Do you provide service?
We provide the tools and support for you to launch your very own credit repair business!
Hello Daniel. Thank you for the very useful information. What is the FCP and how do you contact them ?
What certification do you earn and is it reputable
Amazziinngg!!
Man I love Ya Bro, I will report back with how it goes.
Your new sub Calvin
Is this still acceptable today on June 30th, 2022?!
For the Lexus nexus do I ask for my personal information to be deleted?
So if the courts report my info and left something out that mean they report incorrect info
Wow I wonder how long this whole process takes?
Question..
As for the letters send to these companies do i type it out or hand write it in a particular ink color? Can i get some details? And can i add all of names/addresses they have on me on the paper or i must contact the bureaus beforehand?
I heard in various videos to type it and wrote your name at the bottom but DO NOT SIGN IT or else they have a way to match you
Nice thank you
Thanks Julian!!!
@@CreditRepairCloudDanielRosen I need more help I don't understand the emails system is there a phone I can call I will pay to talk to someone
Hi, I'm currently in the free trial period of my Credit Repair Cloud account. Is this bankruptcy paperwork within the library of the software?
Great question! Only the round 1 letters are included in the free trial but once you have the full paid version, you can use the letter finder tool to select the right bankruptcy letter. Hope that helps 😄
I can’t find a way to request a consumer report from lexis nexus….
How long would this typically take to resolve?
If the bankruptcy was filed from my current home address what should I do prior to attempting to have the bankruptcy removed?
ua-cam.com/video/yts-WyFxcq4/v-deo.html
Any answer??
cool and nice
WOW!!!
got the court letter saying don't report and disputed with lexis nexis and got removed from there files sent both letters on various separate occasions still saying verified as accurate, filed cfpb report on each bureau, and cb's all close cfpb file with response to investigate and still come back as verified accurate and I have letters stating NO BK in my lexis nexis file just seems to be a he say she say now, I've seem to hit a wall. Filing a Cfpb report for me was useless. How can they let the cb's close the file before they finish there investigation. Waste of time for me, no change in results.
Yup. Same Bs happened to me. Experian and TransUnion are playing games and the CfPb was useless and pointless.
ua-cam.com/users/shortsoc-sAOdpmFc
ua-cam.com/users/shortsoc-sAOdpmFc
How soon after fling bankruptcy can I start this process of removal?
How do you know if it should be 7 or 10?
The bureaus won’t let you remove old addresses and info on your credit report if it’s linked to a collection or something derogatory on your report.
Wait. How can you erase your actual legal name and social from credit report when they need some sort of identity to know who you are. I understand you can erase old addresses and mistake spelling of your name and even social. Your going to have to send in a copy of your ID,social and proof of address so how can it even be deleted. There has to be atleast of name Address and social on your report.
Can you just freeze your Lexis nexis
Question, What if the court DOES NOT RESPOND ? I've sent 8, yes 8 letters and gone to the Clerk, They say Do not give letters and give you a Pacer sheet. NOW WHAT??!
You must send letter and include a self addressed stamped envelope for them to send back response,
ua-cam.com/users/shortsoc-sAOdpmFc
Can you recommend a legit company that can be hired to assist with Bankruptcy removal, Thank you so much for sharing your knowledge
I just found out someone has the credit card in my name ready to go
now credit bureaus are saying they get court records from 3rd party what now?
i really need you to help me get three bks off my file please help
Can I get Ch 13 removed while I am chapter 13.
Im curious,, how early is your earliest bankruptcy thats been reversed??🏁
👏👏
How can you doit for me ? I have one chapter 7 discharged march of 2017
Give it a try! It's just a few letters and some stamps! You got this!
I did this multiple times Experian will not remove it.
ua-cam.com/users/shortsoc-sAOdpmFc
Has this verifiably worked for anyone?
CAN YOU EXPLAIN WHAT TO SAY TO LEXISNEXIS WHEN YOU PULL YOUR PACER REPORT?
Someone please help!!!!! I did ever single step he listed here ,however they still refused to remove my bankruptcy. "the company that reported the information has certified to Experian that the information is accurate ,this item was not changed as a result of our processing or your dispute." so I did all of this and they denied my request ... Can you please go more into detail on the steps next if they refuse to remove it ? Thank you!! @creditrepaircloud
ua-cam.com/users/shortsoc-sAOdpmFc
Very informative, thanks ❤
Great content. Thank you for sharing this with us!
Thank you!!
Thank you so much!!!!