How to Get a Chapter 13 Off Credit If It's Dismissed

A Chapter 13 bankruptcy allows an individual to "reorganize" his debts so he has some time to pay them off. In cases where the bankruptcy filing was rejected or removed, it is important to make sure it does not appear on your credit report. If it shows up on your credit report, you may not be able to borrow money from lenders. Insurance companies and employers who see the information may reject your applications. Removing the Chapter 13 bankruptcy requires contacting the credit bureaus and notifying them the filing was dismissed.

Instructions

1

Contact the major consumer credit bureaus in writing. The major credit bureaus include Experian, Equifax and TransUnion. Compose a letter notifying the credit bureaus that there is inaccurate information on your credit report related to a Chapter 13 bankruptcy. Include copies of any documents you may have showing the bankruptcy dismissal.

2

Mail your letter to the credit bureaus via certified, return receipt. The credit bureaus will conduct an investigation to the information in your letter. They have 30 days to complete the investigation. You will know when the credit bureaus received the letter with the return receipt.

3

Receive notification. If the credit bureaus were able to verify your information regarding the dismissed Chapter 13 bankruptcy, they must notify you and provide a free credit report reflecting the change. You may also request the credit bureaus provide corrected copies of the report to any party that requested your credit report within the previous six months.