Sign up for our brand new 14-day Credit Hero Challenge.Get the FREE Public Record Dispute Letter Templates Every Credit Hero Needs. Hey, Credit Heroes! Bankruptcy is the single most damaging item that can appear on a credit report! It's true. Filing for bankruptcy makes it practically impossible to get approved for loans, and it can stay on your credit report for up to 10 years. The worst part is that most bankruptcies aren't even caused by financial irresponsibility, but by a single unexpected major life event, such as illness, job loss, or divorce. Given that 63% of Americans live paycheck to paycheck, it is not hard to imagine why so many bankruptcies occur. But don't worry! There are NEW expert-level tactics to remove bankruptcies from credit reports. And in this episode, I'll share them with you!So you'd better stick around!Key Takeaways:Intro (00:00)Bankruptcy Explained (00:55)How Bankruptcy Affects Credit (02:19)Step #1: Sign Up For a Pacer Account (04:35)Step #2: Request a Consumer Disclosure Report (05:07)Step #3: Compare the Information (05:23)Step #4: Dispute the Bankruptcy (05:49)Step #5: Send a Letter to the Clerk of the Court Where You Filed for Bankruptcy (05:59)Step #6: Demand Deletion (06:46)Credit Hero Score (08:47)Community Spotlight (09:12)Outro (09:57)Additional Resources:- Get a free trial to Credit Repair Cloud- Get my free credit repair training - How to Delete Negative Items from Credit Reports Instantly!Make sure to subscribe so you stay up to date with our latest episodes.

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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