Filing bankruptcy (chapter 13 or otherwise) will not wipe your credit report clean. In fact, it will just make it worse by adding the bankruptcy to the Public Records section. This will drop your score up to 200 points for seven years (unless removed).
Bankruptcy should only be considered when you're being sued. Otherwise, there are simpler options to wipe your credit report clean.
How To Wipe Your Credit History Clean
You have a few options for wiping your credit clean. First, you can identify and dispute any inaccurate items on your report with help from an expert, like Credit Glory. Next, you can contact your creditors and ask for a "pay-for-delete" although they may not grant it.
Can You Wipe Your Credit Clean For Free?
You can try to wipe your credit for free with a "pay-for-delete" — if your creditors allow it. A better way? Invest in your future with an expert — like Credit Glory — to dispute any inaccurate items, wiping them from your credit.
Get Your Bankruptcy Removed Professionally
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 766-4803 or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.