How can I get a bankruptcy removed from my record?

First off, you'll need to reach out to the court clerk and ask for a letter confirming they report to the credit reporting agencies (CRAs). They'll probably send you a letter saying they odn't report here's the kicker.

Next, you'll contact the CRAs and ask them to verify the bankruptcy. When they do, they'll spill the beans on which secondary CRAs are actually reporting it.

Now comes the fun part: head over to those secondary CRAs, send them a copy of the court document, and politely demand they delete the info. Once you've got that deletion, take it along with the first document and go back to the CRAs, asking them to delete it too.

In a nutshell, it's a bit of a paperwork marathon, but you've got this! Good luck!
 
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