Bankruptcy Clean-Up Information

We don't consider bankruptcy to be the problem.  We consider bankruptcy as a possible solution.  We live in a country that believes in second chances.  Bad things happen to good people.  Bankruptcy may be your next step on your path to your second chance.

We may be able to get you a home mortgage one day after your Chapter 7 or Chapter 13 bankruptcy is discharged.  You can start looking for your home and preparing for the financing while your bankruptcy is still in process.  You may need to re-established your credit and we can help you.  Your credit report may continue to list debts that have been discharged or reduced.  Without the debts you had before the bankruptcy, you're in a better position than ever before to pay your new mortgage on time.

Sometimes, if you're in a Chapter 13 and own a home, we can end your Chapter 13 early by refinancing your home while you are still in the Chapter 13.  Call us at 800-207-2954, extension 18, to learn more. 

Most bankruptcy attorneys do not include credit report clean-up as a part of their services.  So we designed this page as a tool to allow you to clean-up you credit report for free.  You'll have to have the use of a computer and printer and you have to pay some postage.  But we'll get to that later.  Here are the easy steps:

  1.)  Call us today even if you are in the bankruptcy process at 1-800-207-2954, extension #18, and we'll get a copy of your credit report to see if you can qualify for a no-down-payment mortgage the day after your bankruptcy is discharged.  If you are in a Chapter 13, we investigate the possibility of ending your Chapter 13 early by refinancing your home. 

        If we cannot get you financed right now, we get you on a path to home ownership by sending you a free copy of your report.  (Tennessee residents only at this time.)  We'll also encourage you to use this website to clean up your credit report to position yourself to participate in the benefits of home ownership as soon as possible.  You have a right to have inaccurate trade lines completely removed from your report.  You should should take full advantage of your second chance by demanding all your rights under the law.

  2.)   You will also need to find a copy of your bankruptcy filing that your attorney filed with the court showing the list of debts that have been included in your bankruptcy.  Your attorney has already given you a copy of this and will give you another copy if you have misplaced it. 

  3.)   Send letters to all three credit bureaus demanding your right to have your credit report cleaned-up.  The following letter is in Microsoft Word format and can be downloaded to this computer by double clicking on the link below.  Adapt this letter to your specific circumstances and save it as a file in a directory on your computer.  Then copy and paste one of the three addresses below onto the letter and save the new files on your computer with unique names and print the letter.  Repeat with the additional addresses.  Address envelopes and mail the letters via U.S. certified mail with return receipt requested.  The credit reporting agency has 30 day to send you a return letter and the date on the green return receipt postcard starts the time period. 

          Include a clean copy of your drivers license and a utility bill to confirm that you live at your current address.  If you do not include these items, the credit reporting agencies will return your package without making the changes you have demanded.  It's a good idea to slightly enlarge your driver's license so the copy is very clear.  They're looking for reasons to reject your demands.  You have Federal rights.  Demand your rights.  Make copies of everything you send them.

         Click on this link to load the draft of the letter as a Microsoft Word File:
Demand Letter to Delete Items

           Here are the addresses of the three primary credit bureaus:

           Equifax
           P.O. 105851
           Atlanta, GA  30348

           Experian Consumer Relations
           701 Experian Parkway
           Allen, TX  75013

           TransUnion
           2 Baldwin Place
           P.O. Box 1000
           Chester, PA  19022

  4.)    In the event one of the credit bureaus does not honor your demands, modify the following letter and mail this letter to them with attachments via U.S. certified mail with return receipt requested.  Make copies of everything you send them.

Click on this link to load the draft of the letter as a Microsoft Word File:
Reminder-to-Respond

  5.)   In the event they need a stronger letter, modify the following letter and mail this letter to them with attachments via U.S. certified mail with return receipt requested.  Make copies of everything you send them.

Click on this link to load the draft of the letter as a Microsoft Word File:
Demand Letter with copy to Federal Trade Commission

The information on this page and in this website is derived from sources that we believe are reliable. This information is not guaranteed.  We are not offering legal or accounting advice and suggest that you contact a lawyer and an accountant before taking any action.