is there a letter out there to request the credit bureaus to take the bankruptcy listing off early. Mine is set to come off in 5 months but i want off now.
You probably won't get far writing a letter to them. I would try disputing it with the bureaus, it may just drop off. Good luck Poochie
Re: letter to get bankruptcy off ea You can't wait out five months for it to fall off? What's your hurry?
Re: letter to get bankruptcy off ea i was going to apply for a mortgage loan. i thought i wouldn;t have to explain stuff if it was off my record
Re: Re: letter to get bankruptcy off ea When applying for certain jobs, life insurance, or mortgages, this info is retained longer than normal from the FCRA: (a) Information excluded from consumer reports Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information: (1) cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. (b) Exempted cases The provisions of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with - (1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more; (2) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or (3) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more.
