| After bankruptcy a credit report doesn't automatically | | | | reached its limit and I decided to file the bankruptcy. |
| start to go up. My credit score was affected, as I | | | | My experience with having the bankruptcy removed |
| expected it to happen, when I filed bankruptcy. What I | | | | from my credit report came by accident. I was |
| didn't expect was to have the same collections and | | | | addressing the mistakes on my report when I was told |
| charge offs being reported, still as collections and | | | | that the bankruptcy might be a candidate to be |
| charge offs a year after my case was discharged. | | | | removed. Bankruptcy and a credit report usually go |
| Not only did I have the bankruptcy but now I was still | | | | hand in hand, for ten years, by what I understood. The |
| showing collections. It wasn't until then that I really | | | | possibility of having it removed was news to me, being |
| started to consider how long it was going to take for | | | | that I hadn't considered trying to have it removed. |
| that bankruptcy to come off my credit report and it | | | | It wasn't until I talked to a professional about my |
| became obvious that I was going to have to address | | | | situation that I got some information that I missed while |
| what was left behind. | | | | doing research myself. I also learned that I don't have |
| I researched before I filled how long it would take for | | | | to wait 10 years to do anything with credit. I was under |
| the bankruptcy to come off my credit report and if | | | | the impression that the black mark on my credit would |
| there was any possibility to have it removed. After | | | | prevent me from owning a home again and having |
| doing this I was convinced that there was going to be | | | | credit for ten years. When I realized I could apply for |
| at least a 10 year period that I was going to have to | | | | credit in spite of the bankruptcy I was very surprised |
| wait to see it come off my report and have a clean | | | | and hopeful of owning a home in as little as three to |
| credit report again. Though it was tough to make the | | | | five years. |
| decision, I couldn't continue to deal with the debt, the | | | | Don't assume that a bankruptcy is the end of your |
| damage that it was doing to my family and I had | | | | credit report. There are options. |