Chap 7 - removal intel - CBs, Lexis, LCI, Pacer, etc.

[Anonymous]

My first post and thanks in advance to the regular posters.  You, of course, are the lifeblood of a forum like this. I've been very active on several forums over the years so I understand the power of community...

Anyway, on my reports I have showing a Chap 7 that was discharged in 2018.  I am beginning the process to have it removed from the 3 CBs.  Loosely, I understand the suppression of the third party aggregators of the filing and how they share with the CBs.  Below is my approximate game plan but I need serious help with the language in the docs and have concerns about LCI, Pacer, etc.

While the above makes sense it seems much too simple and far from full-proof.  Are there any blackbelt level folks out there that are willing to chime in? (MOD CUT- please see to our User Guidelines and our Terms of Service. Jag73).

Thanks,

Jim

[Anonymous]

Good luck attempting to conceal a public record.  I'm not sure what you motivation is for considering this approach, but if it relates to lenders/financial institutions they have access to other consumer reporting agencies that provide them with the same information and often corroborate the information they get from the three major credit bureaus.

[Anonymous]

This plan is definitely not my own.  It is more or less compiled from a handful of credit repair sites, Youtube videos, Facebook groups, a friend, etc.  My friend sucessfully used a variation of this strategy three years ago and where I first heard about it.  Also, the Facebook groups have many others that have been succesful as well.

[Anonymous]

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@Anonymous wrote:

This plan is definitely not my own.  It is more or less compiled from a handful of credit repair sites, Youtube videos, Facebook groups, a friend, etc.  My friend sucessfully used a variation of this strategy three years ago and where I first heard about it.  Also, the Facebook groups have many others that have been succesful as well.

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Then I guess that you'd be well advised to read the User Guidelines for this site; especially FICO FORUMS CREDIT REPAIR DISCUSSION GUIDELINES

"The only credit repair discussions allowed in FICO Forums are ones that exchange information on how to correct or remove real errors from your credit report – not accurate information that you want to get rid of because it may be negatively affecting your credit score."

[Azuieldrago]

Simply put, you filed for bankrutpcy. Its accurate information. Trying to hide it will only bite you in the butt. It will be verified and it will stay on your reports for the next 10 yrs. If you did manage, it will be only temporary and possibily provide some massive negative headaches. It will get re-verified and come back. Accept that it is here to stay until your 10 yr mark has passed.

[Remedios]

@Anonymous  I've edited your post to remove parts that not only violate TOS and are unethical, but also because I'd hate for anyone to attempt what you've described, making their situation a whole lot worse and ruining any progress they've worked on. 

People who frequent this forum work very hard on moving forward, without plotting and scheming. 

You're more than welcome to try whatever shady internet websites are suggesting, but you may not talk about it here. 

@Anonymous  already provided excerpt from MyFico Terms Of Service, I strongly suggest you read their all. 

[Anonymous]

Ethics, plotting, scheming, as well as shady?  Hmm...

Then you edited (not deleted) my post without my consent?  Kettle meet black.

It's probably best you delete this thread and I'll move on.

[Remedios]

I do not require permission to edit anything that's specifically prohibited by TOS 

This thread is now closed for further messages.