- 1). Obtain documentation that proves you did not file Chapter 7 bankruptcy. Credit card statements, checking account records and letters from your creditors will all support your position. Obtaining letters from lenders you have never worked with is a long process, but it will help the credit bureaus investigate your claim quickly.
- 2). Write a letter to Experian, TransUnion and Equifax. In the letter, explain that the Chapter 7 bankruptcy was reported in error, and ask these credit reporting bureaus to investigate and remove the bankruptcy entry. Include copies of the documentation you have gathered.
- 3). Compose a separate letter to each of the creditors listed on the bankruptcy report. This will prevent them from reporting additional information to your credit report after the erroneous bankruptcy has been deleted.
- 4). Await the decision. Under Fair Credit Reporting Act rules, each of the three reporting bureaus will have 30 days to investigate your claim and render a decision. You will receive a letter from each of the bureaus detailing its decision.
- 5). Obtain a new copy of your credit report. If the reporting bureau agrees with your claim, you can obtain a complimentary copy of your new credit report. Review the new report carefully. Make sure all data associated with the Chapter 7 bankruptcy has been removed from the report.
- 6). Ask the reporting bureaus to mail correction letters to companies and individuals who have made inquiries on your credit file. The bureaus will send these letters to anyone who has ordered your credit report within the past 6 months.
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