one way to get a bk off your report is not to put it there in the first place. I though this board was meant for people to learn how to better their credit by being responsible. It seems like everyone is going out taking on so much debt, not paying bills, filing bk. Then they want to know how to get all this stuff that belongs to them in the first place removed so they can get in more debt. give me a break guys. pay your bills and stop trying to take the easy way out.