I live here in Indiana and I asked the bankruptcy court clerk do they send any type of affidavit or letter stating that they don’t deal with the credit bureau’s and she told me they don’t send any letters like that. I was devastated to hear this. Is there a case by case bases depending on the state you live in and do you suggest I just send the letter as you instructed anyway and force to give me some sort of response? 😪
Hi.. Would I need to put a security freeze on anything, before doing any of this steps? I've seen other videos and they talk about freezing Lexis Nexis, etc.
The first step is to put a freeze on your or the client's accounts with Lexis Nexis, Innovis, and Sagestream. Then proceed with the letters to the credit bureaus and the court clerk.
Hi Daniel, I am currently enrolled in your credit hero challenge and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Hey, great info. I think it's important to let people know that removing a chapter 13 is a little more in depth. If you remove 13 without removing items in the 13 your credit score will decrease because the items listed in the 13 will loose the bankruptcy covering. The proper way to do a chapter 13 is to have the individual items listed in the 13 removed first before you remove 13covering. Removing 13 should be last.
Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g.
Thanks for the info. I read by law you can only dispute bankruptcy within 7 years if there is an error. Also unless I missed it you didn't say what reason to select for the dispute. Example Experian asks- dismissed/withdrawn, discharged, not my bankruptcy, belongs to another person, identity theft, other. Appreciate some suggestions.
do I dispute all items included in the bankruptcy as well? also my mortgage is listed as late payments because it was included in the bankruptcy, should I dispute to have my mortgage history removed? because won't lenders look at the late payments on my mortgage and ask why those payments were late and then I would have to tell them it was included in my bankruptcy which would let them now know I had a bankruptcy..
I stopped by to be enlightened about the subject at hand. However, I never thought about starting a home business assisting others to repair their credit. Thanks for sharing this. I believe I'll have to take a serious look at your program.
I work for a credit repair company (we use this software) and personally, I have been here for 4 years- truly has been amazing helping our clients improve their credit and see them buy homes.
This program a s software is an excellent investment and I’m a huge skeptic when it comes to certain things. Daniel and his team are transparent and helpful. Very knowledgeable
@@tamarratrice3589 I literally failed trying to fix my bad credit all by myself, I had to contact a colleague who introduced me to this credit specialist [ Creditmasterfix. Com ] .. I explained my credit issues and he gave me a quote after reviewing my credit file. I now have an excellent score of 794 and all my negative credit records erased permanently.
Daniel, thank you so much for sharing this information. Removing bankruptcies are some of THE most difficult items to remove from your credit report. So much so, most people, including some credit repair pros have no idea how to remove them. Great video!
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
It only works, IFF (if and ONLY if) it works. I have had so many help me with this over the last 3 years. They took off all sorts of things - all accounts that were included, the old address. Nothing worked until a guy gave a letter for LexisNexis - it worked for Transunion who removed the bankruptcy, equifax is supposed to too, but they haven’t removed it yet. It appears to have not worked at all for Experian. And Experian is what most places run… I went to the clerk to today and they refused to write a letter. I know the squeaky wheel gets the oil. In other matters I got my congresswoman’s office to deal with another gov agency to get them to talk to me and I got through - but it was too late for the purpose. It’s so disheartening to be a law abiding tax payer and get no respect from the government. I may just get my congresswoman’s office involved again -no respect!!
I sent the credit agencies the letter the bankruptcy court sent me starting they do not report info to the credit agencies. The credit bureau sends me a letter the bankruptcy will remain on my report and they receive their information from LexisNexis. What are your suggestions from here?
Hello Daniel Rosen, I wrote the credit bureaus with the response I received from the courthouse. The credit bureaus stated it was verified, and did not remove the bankruptcy from my clients credit report now I’m going to file a complaint with CFPB, what should I write in that letter to the matter from the response I received from the credit bureaus
I recently had my chapter 7 discharged and removed from my " report. Unfortunately some of the accounts that were part of the discharge are now showing a balance. My thoughts are I should now just dispute them accounts because they were discharged and are closed. What's your thoughts on this???
Hello Daniel! Thank you for your videos. I have successfully removed 4 bankruptcies from my LexisNexis, Equifax and Experian. TransUnion says that they verify with the court and will not delete from my record. I thought the courts could not verify??? What next?
@@CreditRepairCloudDanielRosen Sounds too good to be true about those two letters for a bankruptcy To be removed for a chapter 7 it’s been three years I highly doubt that would work to remove my credit what is the link to contact you directly do you have a customer service line?
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
I’m in Los Angeles. Just went to the court clerk’s office. They told me how the credit bureaus get their information and they refused to write a letter stating it. I’m filing a grievance for their refusal to write the letter that only would state what they told me. Really, how do I get a letter if they refuse to write one?
Question about AU Tradelines. There are companies selling AU tradelines with longer history and perfect payments. Is it worth, more importantly, is it SAFE to go for one where personal info is not compromised? Thanks
One thing that has always been confusing about this topic is if you actually remove the public record, what about all of the accounts associated with the BK?
I went ahead and sent a letter to the court house with an enclosed self addressed stamp evelope. I really need this letter from them. Praying i don't know what else i could do...🙏🏾😔😔
I have one dismissed BK and right after it got dismissed, I re filed for Chapter 13 BK which is not Discharged till Aug, 2023. Can I still go ahead and start working towards the removal of public record or should I wait till BK gets discharged? By the way, wonderful explanation and you made the process seem very easy, if your steps are followed. Please let me know what approach should I take. Second, I removed 2 late payment (now have 0 lates) from my creditor. Roughly, how many points I should gain by removing the 2 late payments from 2020? Thank you
⬆if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee...look up it his details at the top,,,>
You can put a Security Freeze on your LexisNexis report. With that being done, no company can retrieve information from LexisNexis until you lift it. If you plan on applying for a new bank account you will need to lift it. You can choose to do it temporarily for that purpose. I'm not sure what else it will need to be lifted for. They will mail a security freeze code that you will need to provide them in order to lift the freeze. Also, if you see inaccuries on your LexisNexis report, you can dispute that also.
⬆if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee...look up it his details at the top,,,>
Have you ever had a collection agency refuse to handle a dispute and tell you your dispute is frivolous and irrelevant because it looks like it’s from a credit repair agency. well I just received a letter that says just that what should I do about it. Help I need suggestions
FIRST: I have no idea whether the information in this video works or not. BUT, I can say this much: Bankruptcies are public record. Therefore, I'm hard-pressed to believe that a credit bureau would remove a bankruptcy simply for the reason that a _court did not directly provide the info to the credit bureau._ All the credit bureau has to do - which is the same thing that anyone in this comments section can do - is go to the courthouse website and lookup the bankruptcy. Other than the court website, there is an online system of legal records called "PACER" (Public Access to Court Electronic Records). So, if you present the credit bureau with a letter from the court that says "we don't report to credit bureaus", I'd think that the credit bureau would simply reply _"we do not rely on credit reporting from courts since courts do not 'report' to credit bureaus. Instead, we verified your bankruptcy through public records - a listing of a legal bankruptcy on the court's website is deemed 'verified'."_ Dude in the video mentions something about _"who _*_furnished_*_ the public record bankruptcy info"._ I don't know that it matters whether the court *sent the info the credit bureau* or whether *the credit bureau went and verified the info with the court.* The bottom line is that the credit bureau is in the business of aggregating data about consumers, and I don't know of any restrictions as it pertains to public data. Now, if the public data is *wrong,* that would be a different story. But, again, I haven't tried the method. So, you can play around with the system all you want. Your mileage may vary.
Hey Leon! This is a great question for our Facebook community! 🙌 The 18k #CreditHeros can share their advice and experience. 👇facebook.com/groups/creditrepaircloudcommunity
*Hi, let me refer you to a credit analyst, he will guide you on how take off all negativities off your credit report with assurance of no reoccurrence. With this done it creates a boost in credit score. Including building business credit*
Should I disputed my bankruptcy in writing first prior to send a latter to the court to verify the procedure in which they verify records with the credit bureaus
Hi my name is Juan araujo. I sent the letter the the bankruptcy court with the return envelope with a stamp, but I still haven’t received anything. What can I do to dispute my bankruptcy because I didn’t a letter back. What’s the next step to dispute my bankruptcy from the credit bureaus. Thank you and I hope you answer my question soon.
Hey Juan! This is a great question for our Facebook community! 🙌 One of the 20k #CreditHeros can share their experience and advice. Check it out: facebook.com/groups/creditrepaircloudcommunity
What do you do when the credit bureaus come back with they checked back with the third party and they verified the accuracy, without giving you all the info on that third party name, address, numbers to dispute how the got that record from the courts if it's public, plus how do you get off all the creditor that you filed bankruptcy with ?? I have a letter from the courts, is their some statue that says public records can't be used, or because it's a legal document the court can't send it out, but it's public for all to see..please help
*Hi, let me refer you to a credit analyst, who will guide you on how take off all negativities off your credit report with assurance of no reoccurrence. With this done it creates a boost in credit score. Including building business credit*
Hi there I have tried twice fighting the experian about my bankrupcy and they always say the same """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 of your dispute. """""what do I do now ! ??????????
Great question! One of the #CreditHeros in our CRC Facebook group should have an answer for you! 🙌 Go check it out and join the community of over 17k Credit Repair pros! facebook.com/groups/creditrepaircloudcommunity
Hi there John!👋🏼 We have an amazing blog post that helps you understand which letter you should choose!🔥 Check it out: 😎👇🏼 help.creditrepaircloud.com/hc/en-us/articles/360025939031-Which-dispute-letter-do-I-choose-/
Kinda the same with me... The CFPB actually sided with me. However, they seemed like they had little to NO pull to enforce anything. They ultimately told me to sue the credit bureaus. Experian removed the BK but Equifax (ESPECIALLY) and TransUnion are NOT following FCRA laws by far!
I’m doing a chapter 7 bankruptcy. I did my signing last week , waiting for a court date. Just wanted to see how long after my case has been completed, I can do Bankruptcy Removal?
Wow oh wow. This is amazing value right here. Hi I’m in your challenge right now it’s definitely a challenge when I work 12 hours a day LOL, however I definitely in purchasing the master class I have my vision and goals set for millionaire club. This is an amazing opportunity that you’ve created and pass along to all others That is so affordable, thank you so much
@Daniel Rosen.. I disputed the bankruptcy and sent proof from the courts as well, they sent a letter back stating they do not have to reinvestigate unless I have proof but the letter from the courts was proof I thought, what do I need to say when I report them cause it needs to come off ASAP thank you
I've been fighting with the 3 credit bureaus for months trying to remove 4 bankruptcy notices on my credit reports. They all stated they verify them with Lexis Nexis, so I went to LexisNexis as they requested & got a copy of my report which does not show any bankruptcies & sent them to them & they are still refusing to take them off. They told me I had to get LexisNexis to send them to them directly so I called LN & they said they don't do that. I have all calls recorded for accuracy. What can I do? Thanks!
Should the accounts included in bankruptcy be disputed and deleted before disputing the bankruptcy? Also how do you remove included in bankruptcy creditors from your credit report?
Hey Robert! Thank you for your questions! 😄 I wanted to let you know that this is not an exact science, an it all depends on the circumstances. But if you’re able to delete the bankruptcy, then you should be able to use factual disputing to remove the items remaining that were included in the bankruptcy!😁 We have a lot of great videos here on our UA-cam that break that down, depending on what the items are! 🎥🔥 Finally I would encourage you to do our Challenge, as it will give you a better understanding the disputing process! 🔥🔥 Here is the link: 😎👇🏼 creditherochallenge.com/live
I called them and put a freeze on my report and stated I was in an abusive relationship (had a letter from a shelter) and I didn't want my ex to locate me also that i was a victim of identity theft. They will have you email proof any reason you give for wanting your report frozen. If you don't have it I dont think they'll deny your freeze, but it helped me get it done in 24hrs. When I received my report their were so many addresses i never lived at, a false report my license was suspended (never happened) and inquires of someone trying to get an American Express and Rapid Loan in my name! And my name was spelled incorrectly. I disputed all inaccurate info with them over the phone and made sure they know i wanted my report froze! I got the ref/conf number, who i spoke with, time and date. They are a very janky company that will act like they can't hear you or hang up in you. I told them I was a victim of identity theft they sent me something in the mail with a pin number and i was able to go online and see all the incorrect and fraudulent things on my consumer report with them. Dont get discouraged if you call and they act like they can't hear you, just call right back! Also, I've called a few times and got hung up a few seconds after it picked up. LexisNexis can be reached one of three ways: Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, P.O. Box 105295, Atlanta, GA, 30348-5295. Phone: 888-497-0011 from 8 a.m. to 7 p.m. ET. Email:consumer.documents@LexisNexis.com.
Oh no! We have entire community dedicated to help credit heroes grow their business and collaborate in scenarios such as this! We'd love to see you in there! facebook.com/groups/creditrepaircloudcommunity/
Hi.. Would I need to put a security freeze on anything, before doing any of this steps? I've seen other videos and they talk about freezing Lexis Nexis, etc.
Hi Michael, great question. Once the bankruptcy (the public record of the actual bankruptcy) has been removed, the accounts (creditors) that were included in the bankruptcy are usually really easy to remove by simply disputing as inaccurate. Since the public record is gone, there is no record of the person filing bankruptcy and they are usually deleted. If not, you go through all the same processes as you would any other item.. Request verification, > dispute, > follow up, > send warnings, > file complaints, > dispute with the creditors, > follow up, > send warnings, > file complaints etc... Hope that helps!
@@CreditRepairCloudDanielRosen What if those accts are being regularly updated from those creditors that were included in the BK showing discharged from a Chapter 7 BK? Will the creditors try to fight it? or can you explain what would happen and how this works? Thanks so much.
I got a letter response from the Court it was somehow confusing it was more like a flier and in the back it said on red that cortt doesnt report to credit agencies the letter had no name not address I hope this helps ill send it to experian now
@@ksjackson4718 hi there yes I actuallu recieved a response back on the 16th And it says """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 of your dispute. Please review your report for the details.""" So now i dont know what to do as they never mention the court !!!
@@vonmadeofficial1447 No i didnt ! I just sent experian another letter after the 2 responses they gave me about Reinvestigating my dispute this time I am asking them who they went to i am pretty sure theyre going to tell me lexis nexis so i am going to find out how to lock it right now thanks
Hey Lazarius! This is a great question! We recommend you join our Facebook community! 🙌 One of the 20k+ #CreditHeros can share their experience and advice, and help you out! Check it out: facebook.com/groups/creditrepaircloudcommunity
Hey there! This is a great question for our Facebook community! One of the 18K #CreditHeros can help answer your question. 😄 facebook.com/groups/creditrepaircloudcommunity
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Learn more about growing a successful credit repair business at: www.creditrepaircloud.com/
I’m going to try it
I live here in Indiana and I asked the bankruptcy court clerk do they send any type of affidavit or letter stating that they don’t deal with the credit bureau’s and she told me they don’t send any letters like that. I was devastated to hear this. Is there a case by case bases depending on the state you live in and do you suggest I just send the letter as you instructed anyway and force to give me some sort of response? 😪
Will this work even with a 1st name change?
Hi.. Would I need to put a security freeze on anything, before doing any of this steps? I've seen other videos and they talk about freezing Lexis Nexis, etc.
@@BigWood0397 Any update on getting a letter from the court -- has anyone from CRC offered a suggestion
The first step is to put a freeze on your or the client's accounts with Lexis Nexis, Innovis, and Sagestream. Then proceed with the letters to the credit bureaus and the court clerk.
how about pacer, should there not be a freeze also?
Hi Daniel,
I am currently enrolled in your credit hero challenge and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
WOOOHOOO!! Thats so exciting Wanita!! You're on your way there! 😎🙌🏻💪🏻
Wanita how are you doing? I’m just getting started and I’d like to hear your review 🙂
How’s it going?
some said not to even try to remove a Bk with in 2 years is this true
When we dispute the BK with the CBs I still do not know the REASON for the dispute we should put in the letter
Hey, great info. I think it's important to let people know that removing a chapter 13 is a little more in depth. If you remove 13 without removing items in the 13 your credit score will decrease because the items listed in the 13 will loose the bankruptcy covering. The proper way to do a chapter 13 is to have the individual items listed in the 13 removed first before you remove 13covering. Removing 13 should be last.
Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g.
🔥🔥🔥
You can explain further on getting rid of certain accounts first
👍🏾👌🏾👏🏾
Very interesting about the Chapter 13 BK.
Thank you for sharing, I will initiate the process today!
What about the credit bureau contacting Lexus nexus and the other one to get that info
Do you have one for Private School Loans ??
I have a bankruptcy as well i need some help plz
Thanks for the info. I read by law you can only dispute bankruptcy within 7 years if there is an error. Also unless I missed it you didn't say what reason to select for the dispute. Example Experian asks- dismissed/withdrawn, discharged, not my bankruptcy, belongs to another person, identity theft, other. Appreciate some suggestions.
What do you have to update or remove student loans?
do I dispute all items included in the bankruptcy as well? also my mortgage is listed as late payments because it was included in the bankruptcy, should I dispute to have my mortgage history removed? because won't lenders look at the late payments on my mortgage and ask why those payments were late and then I would have to tell them it was included in my bankruptcy which would let them now know I had a bankruptcy..
Can Lexus Nexus show your info to car insurance companies even though I have a freeze on it? Or to any other company
I stopped by to be enlightened about the subject at hand. However, I never thought about starting a home business assisting others to repair their credit. Thanks for sharing this. I believe I'll have to take a serious look at your program.
I work for a credit repair company (we use this software) and personally, I have been here for 4 years- truly has been amazing helping our clients improve their credit and see them buy homes.
This program a s software is an excellent investment and I’m a huge skeptic when it comes to certain things. Daniel and his team are transparent and helpful. Very knowledgeable
@@tamarratrice3589 I literally failed trying to fix my bad credit all by myself, I had to contact a colleague who introduced me to this credit specialist [ Creditmasterfix. Com ] .. I explained my credit issues and he gave me a quote after reviewing my credit file. I now have an excellent score of 794 and all my negative credit records erased permanently.
Daniel, thank you so much for sharing this information. Removing bankruptcies are some of THE most difficult items to remove from your credit report. So much so, most people, including some credit repair pros have no idea how to remove them. Great video!
Thank you so much Kelvin! 😎
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Thank you , I almost cried just hearing this. You're the best Daniel
Thank you so much! Glad this could help! 😎
It only works, IFF (if and ONLY if) it works. I have had so many help me with this over the last 3 years. They took off all sorts of things - all accounts that were included, the old address. Nothing worked until a guy gave a letter for LexisNexis - it worked for Transunion who removed the bankruptcy, equifax is supposed to too, but they haven’t removed it yet. It appears to have not worked at all for Experian. And Experian is what most places run… I went to the clerk to today and they refused to write a letter. I know the squeaky wheel gets the oil. In other matters I got my congresswoman’s office to deal with another gov agency to get them to talk to me and I got through - but it was too late for the purpose. It’s so disheartening to be a law abiding tax payer and get no respect from the government. I may just get my congresswoman’s office involved again -no respect!!
I sent the credit agencies the letter the bankruptcy court sent me starting they do not report info to the credit agencies. The credit bureau sends me a letter the bankruptcy will remain on my report and they receive their information from LexisNexis. What are your suggestions from here?
Hi there, I can recommend a trusted fella to assist. Do you still need some help?
LOVE YOUR VIDEOS YOUR A BAD AZZ❤️🔥👊THANKS FOR EVERYTHING I'M SO GLAD I DID YOUR COURSE🎉
You rock!
Hello Daniel Rosen, I wrote the credit bureaus with the response I received from the courthouse. The credit bureaus stated it was verified, and did not remove the bankruptcy from my clients credit report now I’m going to file a complaint with CFPB, what should I write in that letter to the matter from the response I received from the credit bureaus
Hi there, I can recommend a trusted fella to help. Do you still need some assistance?
Do you guys do credit repair for people?
Which dispute reason should I use to get the process started with the credit bureau?
I recently had my chapter 7 discharged and removed from my " report. Unfortunately some of the accounts that were part of the discharge are now showing a balance. My thoughts are I should now just dispute them accounts because they were discharged and are closed. What's your thoughts on this???
Hey buddy, I can recommend a trusted fella to assist. Do you still need some help?
If the customer is currently in a chapter 13, should we wait until paid off to dispute it.
Hello, I can recommend a trusted fella to assist. Do you still need some help with this?
I loved this video. I followed every step to the teeth and they came back with it staying on the report. It didn't say why.. Just said it stays
So are you saying they said they wouldn’t remove the bankruptcy?
Hello Daniel! Thank you for your videos. I have successfully removed 4 bankruptcies from my LexisNexis, Equifax and Experian. TransUnion says that they verify with the court and will not delete from my record. I thought the courts could not verify??? What next?
Did you supply the response letter from the court?
Hi there, I can recommend a trusted fella to help. Do you still need some assistance?
Wow! This is the best credit repair information I've ever heard.
Thank you so much! 😎
@@CreditRepairCloudDanielRosen Sounds too good to be true about those two letters for a bankruptcy To be removed for a chapter 7 it’s been three years I highly doubt that would work to remove my credit what is the link to contact you directly do you have a customer service line?
Thanks for your help with Bankruptcies. I can now assist my clients better.
Happy to help! 😎You're very welcome! 🙌
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
I’m in Los Angeles. Just went to the court clerk’s office. They told me how the credit bureaus get their information and they refused to write a letter stating it. I’m filing a grievance for their refusal to write the letter that only would state what they told me. Really, how do I get a letter if they refuse to write one?
My BK chapt 7 is only 2 wks old. How would this work?
Question about AU Tradelines. There are companies selling AU tradelines with longer history and perfect payments. Is it worth, more importantly, is it SAFE to go for one where personal info is not compromised?
Thanks
Thank you for sharing, this was indeed helpful for those with a BK 7 on their Credit Report.
How soon after the chapter 7 did you do this?!
Hi is it the same process if it is a jointly filed bankruptcy between spouses ?
One thing that has always been confusing about this topic is if you actually remove the public record, what about all of the accounts associated with the BK?
Remove all those also!!!
@@Yiyacuse Is it possible to remove accts associated with a bankruptcy even though those creditors continue to update the accts?
Need help removing charge offs
Have u begun disputing based off the inaccuracies normally associated to this charge off?
I went ahead and sent a letter to the court house with an enclosed self addressed stamp evelope. I really need this letter from them. Praying i don't know what else i could do...🙏🏾😔😔
@lucky9331 Hey did you received a letter back from the court?
Update please
What if the Bankruptcy Court doesnt reply to my letter ? How would i get the proof to send to the 3B 😨 im stuck on this one .. HELP!! Lol
I have one dismissed BK and right after it got dismissed, I re filed for Chapter 13 BK which is not Discharged till Aug, 2023. Can I still go ahead and start working towards the removal of public record or should I wait till BK gets discharged?
By the way, wonderful explanation and you made the process seem very easy, if your steps are followed. Please let me know what approach should I take.
Second, I removed 2 late payment (now have 0 lates) from my creditor. Roughly, how many points I should gain by removing the 2 late payments from 2020?
Thank you
⬆if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee...look up it his details at the top,,,>
What happens when the credit bureau states that LexusNexis verified the public record? What is the procedure in that situation?
You can put a Security Freeze on your LexisNexis report. With that being done, no company can retrieve information from LexisNexis until you lift it.
If you plan on applying for a new bank account you will need to lift it.
You can choose to do it temporarily for that purpose. I'm not sure what else it will need to be lifted for. They will mail a security freeze code that you will need to provide them in order to lift the freeze.
Also, if you see inaccuries on your LexisNexis report, you can dispute that also.
Daniel ... I was able to use an email the court sent. Emailed 5/3/23 Lexis Nexis w/att. By 5/9/23 received ltr - removed from Lexis Nexis. THank You
Great, concise information to remove bankruptcy from your credit report. Very encouraging!!!
Thanks for watching!
My question the only way to dispute is online with the credit buauers do you write them directly or online
Great info. So how long after the BK7 should this method be used? Keep up the good work.
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I’m try this this week I’m keep you posted
Have you ever had a collection agency refuse to handle a dispute and tell you your dispute is frivolous and irrelevant because it looks like it’s from a credit repair agency. well I just received a letter that says just that what should I do about it. Help I need suggestions
Where is the interview Daniel did with Alex Charfen that he mentioned in this video?
FIRST: I have no idea whether the information in this video works or not. BUT, I can say this much: Bankruptcies are public record. Therefore, I'm hard-pressed to believe that a credit bureau would remove a bankruptcy simply for the reason that a _court did not directly provide the info to the credit bureau._ All the credit bureau has to do - which is the same thing that anyone in this comments section can do - is go to the courthouse website and lookup the bankruptcy. Other than the court website, there is an online system of legal records called "PACER" (Public Access to Court Electronic Records).
So, if you present the credit bureau with a letter from the court that says "we don't report to credit bureaus", I'd think that the credit bureau would simply reply _"we do not rely on credit reporting from courts since courts do not 'report' to credit bureaus. Instead, we verified your bankruptcy through public records - a listing of a legal bankruptcy on the court's website is deemed 'verified'."_ Dude in the video mentions something about _"who _*_furnished_*_ the public record bankruptcy info"._ I don't know that it matters whether the court *sent the info the credit bureau* or whether *the credit bureau went and verified the info with the court.* The bottom line is that the credit bureau is in the business of aggregating data about consumers, and I don't know of any restrictions as it pertains to public data. Now, if the public data is *wrong,* that would be a different story.
But, again, I haven't tried the method. So, you can play around with the system all you want. Your mileage may vary.
Can you use an authorization from the client to sign the letters on their behalf using a facsimile signature?
Thank you for the information. How long does this procedure usually take?
Does this apply for open bankruptcy?
Hey Leon! This is a great question for our Facebook community! 🙌 The 18k #CreditHeros can share their advice and experience. 👇facebook.com/groups/creditrepaircloudcommunity
Received letter back from the records dept stating that their is no record but it doesn't have any reference number or does it look official.
*Hi, let me refer you to a credit analyst, he will guide you on how take off all negativities off your credit report with assurance of no reoccurrence. With this done it creates a boost in credit score. Including building business credit*
You are very helpful throughout this journey. I am learning so much from you. Thank you for all that you do.
You are welcome!😎 Thank you for your comment😄
Is $47 the final charge or are there upsells for the software or ongoing support?
Should I wait a period of time after the bankruptcy clears to start these steps?
NO
Awesome, now how about removing a time share?
Should I disputed my bankruptcy in writing first prior to send a latter to the court to verify the procedure in which they verify records with the credit bureaus
How Old does the bankruptcy? or how yonng?
Hi Daniel!
It's been over 30 days and the only response I received was they're investigating. What letter do I need to follow up with?
Hi my name is Juan araujo. I sent the letter the the bankruptcy court with the return envelope with a stamp, but I still haven’t received anything. What can I do to dispute my bankruptcy because I didn’t a letter back. What’s the next step to dispute my bankruptcy from the credit bureaus. Thank you and I hope you answer my question soon.
Hey Juan! This is a great question for our Facebook community! 🙌 One of the 20k #CreditHeros can share their experience and advice. Check it out: facebook.com/groups/creditrepaircloudcommunity
What do you do when the credit bureaus come back with they checked back with the third party and they verified the accuracy, without giving you all the info on that third party name, address, numbers to dispute how the got that record from the courts if it's public, plus how do you get off all the creditor that you filed bankruptcy with ?? I have a letter from the courts, is their some statue that says public records can't be used, or because it's a legal document the court can't send it out, but it's public for all to see..please help
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I've tried this and it didn't work
Hello, I can recommend a trusted fella to assist. Do you still need some help with this?
Should I send my bankruptcy docs with the dispute
No....if you do that all they will do is update the information....Never send them anything...the burden of proof is on them...
@@SacredTreasurez awesome! Thanks
Goodnight, do you know of any good credit repair company you could recommend? Thanks
*Hi, let me refer you to a credit analyst, who will guide you on how take off all negativities off your credit report with assurance of no reoccurrence. With this done it creates a boost in credit score. Including building business credit*
Hi there I have tried twice fighting the experian about my bankrupcy and they always say the same """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 of your dispute. """""what do I do now ! ??????????
Great question! One of the #CreditHeros in our CRC Facebook group should have an answer for you! 🙌 Go check it out and join the community of over 17k Credit Repair pros!
facebook.com/groups/creditrepaircloudcommunity
Hello, is this still true in 2022? Please let me know. Thanks
A true as can be!
Hey bud, I can recommend a trusted fella to assist. Do you still need some help?
@@blueheaven-vp8jm yup
@@craigslistgoon0928 Have you got Instagram? That way it'd be easier to reach his company
So which letter do I use in the wizard
Hi there John!👋🏼 We have an amazing blog post that helps you understand which letter you should choose!🔥 Check it out: 😎👇🏼
help.creditrepaircloud.com/hc/en-us/articles/360025939031-Which-dispute-letter-do-I-choose-/
I’ve followed this method, and even filed complaints with the CFPB but CFPB seems to be doing nothing other than siding with the CB’s. Any advice?
Kinda the same with me... The CFPB actually sided with me. However, they seemed like they had little to NO pull to enforce anything. They ultimately told me to sue the credit bureaus. Experian removed the BK but Equifax (ESPECIALLY) and TransUnion are NOT following FCRA laws by far!
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I’m doing a chapter 7 bankruptcy. I did my signing last week , waiting for a court date. Just wanted to see how long after my case has been completed, I can do Bankruptcy Removal?
Once it discharges! Mine discharged last week. On it now.
@@tobeforeverwild7403 have you had any luck doing that?
@@tobeforeverwild7403 any update?
Thanks for the info...
You bet!
Can we do both at the same time. Send a letter to Freeze Lexus and start the round 1 process then the court?
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Does it work for 7 & 13?
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This is so helpful. Does this apply for chapter 7 as well
Yes!
@Daniel Rosen.. I disputed the bankruptcy and sent proof from the courts as well, they sent a letter back stating they do not have to reinvestigate unless I have proof but the letter from the courts was proof I thought, what do I need to say when I report them cause it needs to come off ASAP thank you
Daniel, do I mail the letter to the clerk or the US bankruptcy court?
Yes.
Daniel thank you so much for all the knowledge you share with us.
You got it, Lisa! 😁
I've been fighting with the 3 credit bureaus for months trying to remove 4 bankruptcy notices on my credit reports. They all stated they verify them with Lexis Nexis, so I went to LexisNexis as they requested & got a copy of my report which does not show any bankruptcies & sent them to them & they are still refusing to take them off. They told me I had to get LexisNexis to send them to them directly so I called LN & they said they don't do that. I have all calls recorded for accuracy. What can I do? Thanks!
File a complaint with the CFPB, FTC and BBB
I started information early in 2021 but do illness and virus in family I would appreciate another chance
Should the accounts included in bankruptcy be disputed and deleted before disputing the bankruptcy? Also how do you remove included in bankruptcy creditors from your credit report?
Hey Robert! Thank you for your questions! 😄 I wanted to let you know that this is not an exact science, an it all depends on the circumstances. But if you’re able to delete the bankruptcy, then you should be able to use factual disputing to remove the items remaining that were included in the bankruptcy!😁
We have a lot of great videos here on our UA-cam that break that down, depending on what the items are! 🎥🔥
Finally I would encourage you to do our Challenge, as it will give you a better understanding the disputing process! 🔥🔥
Here is the link: 😎👇🏼
creditherochallenge.com/live
This is amazing 🤩 I would love to join and learn more. How do I dispute with Lexus nexus and more.
I called them and put a freeze on my report and stated I was in an abusive relationship (had a letter from a shelter) and I didn't want my ex to locate me also that i was a victim of identity theft. They will have you email proof any reason you give for wanting your report frozen. If you don't have it I dont think they'll deny your freeze, but it helped me get it done in 24hrs. When I received my report their were so many addresses i never lived at, a false report my license was suspended (never happened) and inquires of someone trying to get an American Express and Rapid Loan in my name! And my name was spelled incorrectly. I disputed all inaccurate info with them over the phone and made sure they know i wanted my report froze! I got the ref/conf number, who i spoke with, time and date. They are a very janky company that will act like they can't hear you or hang up in you. I told them I was a victim of identity theft they sent me something in the mail with a pin number and i was able to go online and see all the incorrect and fraudulent things on my consumer report with them. Dont get discouraged if you call and they act like they can't hear you, just call right back! Also, I've called a few times and got hung up a few seconds after it picked up. LexisNexis can be reached one of three ways: Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, P.O. Box 105295, Atlanta, GA, 30348-5295. Phone: 888-497-0011 from 8 a.m. to 7 p.m. ET. Email:consumer.documents@LexisNexis.com.
So you don't suggest freezing the Lexis Nexis or Sage Stream reports first?
So, I keep getting a verified through Lexis Nexis!! What to do now??
Oh no! We have entire community dedicated to help credit heroes grow their business and collaborate in scenarios such as this! We'd love to see you in there! facebook.com/groups/creditrepaircloudcommunity/
Hi.. Would I need to put a security freeze on anything, before doing any of this steps? I've seen other videos and they talk about freezing Lexis Nexis, etc.
After we remove the bankruptcy, how do we remove the accounts that were included in the bankruptcy?
Hi Michael, great question. Once the bankruptcy (the public record of the actual bankruptcy) has been removed, the accounts (creditors) that were included in the bankruptcy are usually really easy to remove by simply disputing as inaccurate. Since the public record is gone, there is no record of the person filing bankruptcy and they are usually deleted. If not, you go through all the same processes as you would any other item.. Request verification, > dispute, > follow up, > send warnings, > file complaints, > dispute with the creditors, > follow up, > send warnings, > file complaints etc... Hope that helps!
@@CreditRepairCloudDanielRosen What if those accts are being regularly updated from those creditors that were included in the BK showing discharged from a Chapter 7 BK?
Will the creditors try to fight it? or can you explain what would happen and how this works?
Thanks so much.
great info!
I tried this however I got a response back from the clerk of the court from the credit bureau stating that’s how they verified it
I sent my letter yesterday lets see what court reaponds ! 2/23/21 excited
I got a letter response from the Court it was somehow confusing it was more like a flier and in the back it said on red that cortt doesnt report to credit agencies the letter had no name not address I hope this helps ill send it to experian now
@@aztro633 Havr you received a reply from the credit bureau yet?
@@ksjackson4718 hi there yes I actuallu recieved a response back on the 16th And it says """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 of your dispute. Please review your report for the details.""" So now i dont know what to do as they never mention the court !!!
@@aztro633 did u opt out of lexis nexis?
@@vonmadeofficial1447 No i didnt ! I just sent experian another letter after the 2 responses they gave me about Reinvestigating my dispute this time I am asking them who they went to i am pretty sure theyre going to tell me lexis nexis so i am going to find out how to lock it right now thanks
credit reporting agencies get public records from Lexus Nexus,dont you need to supress you information from being released before disputing?
I have a video here on my channel where I talk about freezing reports. 😜 Be sure to check it out!
Does this work on a new bankruptcy?
yes
I can't wait to test this out on a friends credit report.
So exciting! 😎
my credit score is 548 with a bankruptcy and 3 chargeoffs, i filed for bankruptcy in jan 2015 please help me, i can only get secured credit cards
I had to use the services of a professional on Instagram david_hacks01 to fix my credit
Thank you !!!! Daniel 👏🏼🙌🏼for sharing this valuable information
No I need your help me too get bankruptcy off of my credit report I need some paper from you if you can't help me I appreciate it thank you
Good afternoon
How do I remove incorrect names and addresses from my credit report an how does this affect my credit score?
David_hacks01 on Instagram is the best for credit repair
Is this an active bankruptcy or once its discharged?
Hey Lazarius! This is a great question! We recommend you join our Facebook community! 🙌 One of the 20k+ #CreditHeros can share their experience and advice, and help you out! Check it out: facebook.com/groups/creditrepaircloudcommunity
Should i remove a 5 year old bankruptcy
Hey there! This is a great question for our Facebook community! One of the 18K #CreditHeros can help answer your question. 😄 facebook.com/groups/creditrepaircloudcommunity
I needed this
Has anyone tried this ? And what was the outcome?
UPDATE ANYONE????
Has anyone tried this and it has worked? I see a lot of thank yous but anyone actually get their bankruptcy removed from their credit??
Of course I have, was helped by the name 👆 above telegram. Top notch service