Specialized Service

Rebuild Your Credit After Bankruptcy — Faster Than You Think

Bankruptcy doesn't have to define your financial future. Our post-bankruptcy credit recovery program corrects reporting errors, challenges misreported accounts, and helps clients reach 680+ within 18 months.

+143 pts

Avg. Gain

93%

Success Rate

90 days

First Results

FCRA Certified
4.9/5 · 2,847 Reviews
50,000+ Clients Helped

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Specialist assigned to: Bankruptcy Recovery Program

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(951) 428-3202

+143 pts

Avg. Score Recovery (18 Mo.)

3.2 per report

Post-Bankruptcy Errors Found

93%

Error Correction Rate

90

Avg. Days to First Correction

What Is a Bankruptcy?

A bankruptcy filing stays on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7) from the filing date. While the filing itself is a public record and can't be disputed if accurate, many accounts included in a bankruptcy are reported with errors — wrong balances, wrong status, or not updated to show 'discharged' — all of which are fully disputable under FCRA.

Bankruptcy Recovery Program

How We Handle Bankruptcy Recovery Program

1

Audit every discharged account for correct 'discharged in bankruptcy' status

2

Dispute accounts still showing as 'open' or with incorrect balances post-discharge

3

Remove accounts that were included in the bankruptcy but still show as collections

4

Correct the bankruptcy filing date, type, and chapter if reported inaccurately

5

Accelerate score rebuild with a credit building roadmap (secured cards, credit-builder loans)

6

Monthly advisor check-ins to track progress toward 680+ target

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