If you don't clean up your credit after bankruptcy it will cost you.   Just 200 points will cost you 300 or more a month for your 150,000 dollar home in higher interest rates.  It will also mean the difference in driving a Ford or a Mercedes.   These are not my figures they come from Suze Orman and her chart on the left of this page.   This is how you credit is computed

The amount of incorrect information on most credit reports is amazing.   Add to that the true negative items and it is almost impossible to get good credit after bankruptcy.  Many creditors such a Capitol One and the buy here pay here car lots engage in credit reporting practices that keep your scores low.  About the only method to repair your credit reports  is to hire a law firm to clean your record and dispute the inaccurate, incomplete, misleading, unverifiable, and  outdated information.  You can write letters yourself.  They are free from our site in the law forms section.   But often the credit reporting agency will ignore your letters since most people fail to document and sue them for unfair practices. 

Many credit repair agencies are scams.   They are mostly concerned with collecting high fees from you and often charge over 1000 dollars up front for no results and then shut down within a year.   They lack the muscle of being able to file a lawsuit against a credit reporting agency.  Due to the high number of scams the FTC has special rules and has tried to shut these places down but the scams still exist. 

You are not supposed to be able to repair or remove true credit information but if a bank fails to validate credit information and confirm that it is  true even true credit information can be permanently removed.  Even bankruptcy and judgment liens have been removed from some credit records. 

Lexington Law is a law firm that will monitor and repair your incorrect credit information. The cost is 99 to start and  39 dollars per month and over the course of a year about as much as can possibly be down will be done repairing your credit. www.Annualcreditreport.com has free credit reports, no credit watching fee.  When you download our checklist on what documents you need to file you will see our letter about Lexington law.  If you use our link to the left we get paid a 30 dollar fee for referring our clients to them otherwise we have no connection to them.   The link that we refer from is only on the bankruptcy pages and this page.