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RollercoasterLover
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Member Since Apr 2021
Location: New Jersey
Posts: 315
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Default Apr 27, 2021 at 10:17 PM
 
I wouldn't give anyone access to my personal information or credit details. I understand how overwhelming it can seem and how easy it appears to hire someone to do it for you. I've been there. You can't undo financial choices from the past. And your money may be better spent by paying your bankruptcy attorney to deal with old debts or paying your current debt..

You can get a free credit report from the 3 credit reporting bureaus every year under federal law. (Annualcreditreport.com). Each credit reporting bureau has slightly different dispute processes for errors. A debt you agreed to pay that didn't get paid is not an error. A discharged debt that is still showing is an error. Any detail or debt that doesn't belong to you is an error.
When did you declare bankruptcy and what type of bankruptcy? This will tell you how long that will appear on your credit report. Once enough time has passed since your bankruptcy discharge, your credit will improve.
What debts were discharged in your bankruptcy declaration? Any debt discharged that was later sold can be removed from your credit report by filing a dispute. My advice is to take every debt collection call and find out every detail you can. Be honest and tell them you believe the debt was discharged in a bankruptcy. By federal law, they have to stop calling and trying to collect a discharged debt.
Cleaning up errors on your credit report will improve your credit score a little. The best way to improve your credit score is to pay debts on time and reduce how much you use credit (called your debt to income ratio).
If post bankruptcy debt is an issue, you may need to make some changes and commit to better debt management. There are often free or very inexpensive classes available at libraries or through county/state human services departments. I can personally give a thumbs up to using Dave Ramsey's debt snowball reduction method to reduce debt and gain control of my personal finances. I learned how to use this system in a free class at my library.

Good luck.
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Thanks for this!
RoxanneToto