A Bankruptcy on your credit report can be devastating for you. If you try to get a this will be the first thing the lender will see and it will show you as not credit worthy. You will hear a lot of people say that it is impossible to remove a bankruptcy from your credit report. The truth is that you can dispute any type of negative mark on your credit report.

It is important to remember that it is the credit bureau is responsible to verify any information that is on your credit report, whether any negative information is your account or not, if they can not verify it, they must delete it. The Fair Credit Reporting Act, puts the burden of proof on the credit bureau. Always remember to be truthful with any information on your credit report. It is important to know that the credit bureaus do not investigate public records and the courts do only verify such records in person. They will claim that they can verify your records, but they don't. It is important for them to know that if a consumer were to seek litigation and monetary damages in a court of law, they would loose, big time.

It is important to be persistent with making sure your credit report is accurate and that you need to dispute anything you find to be inaccurate on your credit report. You have to make sure you check your report often and that you follow up when you make a dispute to see if it has been removed or not. Remember that your credit is the first thing a lender looks at when determining your credit worthiness.

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