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I am trying to find out if there is a way to get a chapter 7 bankruptcy off of my credit report. I filed it in August 2000 and it was discharged in November 2000. I have had outstanding credit since then and have pulled my credit score up to 695 as of last week, but the bankruptcy is holding me from going any higher. It will automatically roll off of my report in November 2010, but I am trying to find out if there is a way to get it off sooner. An attorney, a written request, anything? Please help. I know it will come off in 10 years after discharge, chapter 10 comes off in 7 years. I know my credit is good and I have had over 20 large credit lines in good standing and know that I can get credit lines almost anywhere now, but the problem is that I am in the process of starting a business and need to get a substantial loan in order to start the construction of an office building downtown. The bank says I need a credit score of 720 or better in order to be approved. It's the only thing stopping my family and I at this point. |
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