Occasionally I have a bankruptcy client ask me how to get a bankruptcy off of their credit report, before the time period runs. Chapter 7 bankruptcy is reported by the credit bureaus for 10 years from when the case is filed, and chapter 13 bankruptcy is reported for 7 years from when filed, for most purposes.

Answer: there is no legal way to have the bankruptcy removed from your credit reports, before the time period runs. There are illegal ways, such as "file segregation." But they are illegal, they are fraudulent, and you can get in much worse trouble than having a bankruptcy on your credit report. If you engage in fraudulent activity, particularly to get a federally-backed mortgage loan, you can find yourself being prosecuted for fraud or perjury.

Morever, the information that is accurate that you are trying to remove, will just come back later, in one form or another. Better to build good new credit. If you stay current on your obligations after the bankruptcy, don't default on any new debts, and follow good credit rebuilding strategies, you will find your credit recovering very quickly.

For example, following the completion of a bankruptcy, for our clients we perform a "credit clean-up" which will make sure that your creditors are reporting accurately. This step alone can increase your credit score from 25- 150 points.

Following that, we can provide you with an excellent credit rebuilding course, "7 Steps to a 720 Credit Score," which can increase your credit score to 720 or higher within 12-24 months after your bankruptcy discharge.

Don't waste your time and money, and risk getting into serious legal trouble, by disputing that you ever filed bankruptcy, when you did. Instead, live within your means, build new good credit, and watch your credit score recover quickly and permanently.

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization