How do I delete bankruptcy records from the Internet?
How Do I Delete Bankruptcy Records From the Internet?
Bankruptcies are filed with courts, not with credit bureaus. Credit bureaus buy information from companies such as Pacer and LexisNexis. It is technically possible to remove information from Pacer, but that's a technicality. If you want to delete your bankruptcy record from the Internet, there are several steps you can take.
Timeframe for removing bankruptcy records from credit reports
The timeframe for removing bankruptcy records from credit reports depends on a number of factors. Usually, it takes seven or ten years for the public record of your bankruptcy to be deleted from your report. The deletion time frame varies depending on which type of bankruptcy you filed. Chapter 13 bankruptcy requires partial repayment of debts, whereas chapter 7 bankruptcy requires no repayment at all. For these reasons, the timeframe for removing bankruptcy records from credit reports depends on the type of bankruptcy you filed and how long ago the bankruptcy occurred.
Chapter 13 bankruptcy, for example, allows borrowers to reorganize their debts, repay some, and then eliminate the rest. The timeframe for removing bankruptcy records from credit reports begins seven years after the filing date, rather than from the discharge date. The credit bureaus will also remove any delinquent accounts that are seven years old after the filing date.
The legality of deleting bankruptcy records from people-search sites
It is possible to request the deletion of bankruptcy records from people-search sites, but this process can be time-consuming and requires a court order. In addition, the information may reappear after a period of time. Fortunately, there are services available to assist you with this process.
First, it is important to understand that the state of Vermont has put in place a registry for data brokers. However, this registry does not obligate companies to honor consumers' requests. This industry includes companies that create dossiers of people, verify their identity, and perform other activities. There are also special risks associated with using people-search sites, including the potential to be targeted by stalkers. These sites also allow a great deal of personal information to be revealed, making them a prime target for identity thieves.
Cost of deleting bankruptcy records from people-search sites
A person who has filed for bankruptcy will still be listed on a credit bureau. The bankruptcy court does not report the case to the credit bureaus; they simply purchase it from Pacer, which collects this information. You can request bankruptcy records from these bureaus, but you may be charged a fee per page.
The process of removing personal information from these sites may be an ongoing process. Some sites will add the information back, even if the person you're searching for has requested it be removed. This could happen when the person you're looking for purchases more information or a new public record pops up. To avoid this, you should consider using a paid service.
If you have any questions, you can get a free consultation with Ascent Law LLC:
Ascent Law LLC:
8833 South Redwood RoadSuite C
West Jordan, UT 84088
(801) 676-5506
