If you have filed bankruptcy you should expect your credit will be severely damaged. However there is hope, you can take action to delete bad credit and by building some positive credit you can improve credit score.

There is a lot of inaccurate information that claims a bankruptcy will be on your report for 10 years. This is not true you can remove it without waiting 10 long years. We suggest that you:

1. Dispute the mark with the bureaus.

You can do this yourself or hire a credit repair service to dispute the mark on your behalf. Did you know that the bureaus do not check public records when they investigate an item? Public records are where this mark is recorded and where the bureau would find verification.

The Fair Credit Reporting Act says that a listing that in not verified must be removed from your report. Additionally this act says that you can dispute any item you feel is inaccurate on your report. It is a common concern about the legality of repairing your credit; you will never have any legal consequence for disputing a listing.

It is rumored that after 2 years it is easier to remove this mark, however it is not required. Additionally we suggest you make sure that any negative item on your report reads "included in bankruptcy." The reason for this is you will later dispute the validity of these items because your report does not show a bankruptcy.

2. When your bankruptcy mark is erased, you can start to dispute each negative account.

This can be done because no where on your credit report does it say you have filed a bankruptcy so how can these negative items be included? Upon an investigation the marks should be erased and this will provide you with a clean report.

3. Build positive credit. This will help the most if you have a new revolving line of credit such as a credit card.

By making your on time monthly payments you will create a positive payment history. Additionally keep your monthly balance at 25% of your available limit because this will show the bureaus that you do use your card and use it responsibly. This will improve your ratio of available credit to debt, a very important factor when your score is calculated.

It might not be the most ethical to dispute items you know are accurate on your report. However is it ethical for lender to charge you 30% interest rate for missing a payment, no matter how long you have been a model customer?

In sum you don't just have to live with bad credit. You can remove the items and you can do it today. You can create a high score for yourself by removing the bad items and building positive marks. This will save you; on interest rates, embarrassment from a low score, and give you the purchasing power you deserve.

For a free credit consultation call 1-866-246-7311 or visit us for a free credit dispute letter or for a free online credit repair e-book.