How can I removed BK-13 from Credit Report?

[Anonymous]

I need help!! In 1998 I filed for BK-13 and again twice in 1999. Don't ask me why twice in 1999. I also have late mortgate payment. Now I only have a total of $40,000.00 in debt. My FICO Score is 593-607. I am trying to Refinance my house and I am getting denial letter because of my BK-13 and late payment. I only qualified for a 10 % interest rate and I don't want to get such ridiculous interest rate when interest is going for 6 & 7%. How can I removed my BK-13 from my credit? Notice this is over 7 years old and are still showing on my credit. Any suggestion? Thanks Princess

[Tuscani]

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princess wrote:
I need help!! In 1998 I filed for BK-13 and again twice in 1999. Don't ask me why twice in 1999. I also have late mortgate payment. Now I only have a total of $40,000.00 in debt. My FICO Score is 593-607. I am trying to Refinance my house and I am getting denial letter because of my BK-13 and late payment. I only qualified for a 10 % interest rate and I don't want to get such ridiculous interest rate when interest is going for 6 & 7%. How can I removed my BK-13 from my credit? Notice this is over 7 years old and are still showing on my credit. Any suggestion? Thanks Princess

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Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in the bankruptcy. You should dispute anything older than seven years.

[Anonymous]

Tuscany thanks I will try one more time to dispute these items. Do you have any sample letters?