- It is impossible to get a bankruptcy off.
TRUTH: Bankruptcies come off just like any other derogatory that is incorrectly reported, obsolete, erroneous, misleading, incomplete, or that cannot be verified. Remember, the nature of the item has nothing to do with its removal under the Fair Credit Reporting Act. The credit reporting agencies never contact the bankruptcy courts directly, they have account executives that go to gather the information for them. Not only is this information is rarely properly verified but the agencies also won’t ever have the proper documentation to prove how they verified this account.