Can I challenge a recent bankruptcy on my credit report?

Asked over 1 year ago - Chicago, IL

I had the meeting with the creditors in April. June 17, was the deadline for disputes ( I believe). I am starting the process of rebuilding my credit. A free online company is helping me with advice. The company sent me info about a credit card and I was approved. The company is now referring me to another online company that claims to help individuals remove bankruptcies from their credit report. The new company claims to contact reporting bureaus and creditors, to remove the bankruptcy if the information is not entirely accurate. Is this possible? The company is expensive. I do not want to fork over money and find out that they can not help me. I'm not interested in anymore credit cards (1 is enough). I am interested in other ways to rebuild my credit.

Attorney answers (4)

  1. Brendan Clayton Ross

    Contributor Level 7

    5

    Lawyers agree

    Answered . If it sounds to good to be true, it virtually always is. You can challenge anything, including your bankruptcy, but it will not be deleted if its reported accurately.

    Attorney Brendan Ross is a real estate lawyer in downtown Chicago. Any answer provided is for general... more
  2. Diane L Gruber

    Pro

    Contributor Level 18

    3

    Lawyers agree

    1

    Best Answer
    chosen by asker

    Answered . No. It is a scam.

    Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662.... more
  3. Scott Benjamin Riddle

    Pro

    Contributor Level 20

    3

    Lawyers agree

    1

    Answered . Sure, you can challenge anything on your credit report. It'll do not good for accurate information such as recent bankruptcies. You basically signed up to be scammed. You can bet your personal information has been sold many times over and you'll likely be a target for month or years to come.

  4. Thomas O. Moens

    Contributor Level 20

    1

    Lawyer agrees

    Answered . Without knowing more about this company, I can only guess what their game is. However, no matter how hard they try, and even if they succeed in getting it off of your credit reports, there is no way in the world they are going to delete your bankruptcy case from the federal court records.

    By the very nature of Avvo, you have only provided limited facts and no documentation, therefore, our response to... more

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