Has anyone successfully had a BK13 removed early by dispute or repair firm?

[Anonymous]

I've read some reviews on Youtube about disputing it and the INQ and it pretty believeable by watching them..  It would be SWEET to remove it a year early..  Or is the best way to garden another 2 yrs to let the BK and INQ fall off?

[Anonymous]

I think you can by first removing all accts that show IIB and then dispute the BK..  

[TRC_WA]

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@Anonymous wrote:

I've read some reviews on Youtube about disputing it and the INQ and it pretty believeable by watching them.. Or is the best way to garden another 2 yrs to let the BK and INQ fall off?

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I saw a Youtube video from a guy selling beachfront property in Iowa too...

Oh yeah, those credit repair places like Lexington Law don't do anything you can't do yourself.  All they do is dispute items and take their time doing it so they can continue to charge you the $99 a month.  You can file all the disputes you want for free.

That being said, If you fall for LL's gimmicks please PM me so I can sell you my beachfront property in South Dakota.

Ch 13 discharged cases stay for 7 years... TU will delete 6 months early.  EX and EQ 3 months early.  YMMV.

Ch 13 dismissed cases stay for 10 years.

Gardening is always good...

[gdale6]

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@Anonymous wrote:

I think you can by first removing all accts that show IIB and then dispute the BK..  

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This is a method that cannot be advocated on My Fico as we do not advocate the disputing of valid credit information