Bryan, TX Bankruptcy Law Firms & Lawyers

Unfortunately, you can't get the bankruptcy off your credit report. By law, credit reporting agencies have the right to report a bankruptcy for ten years from the date the case was filed. The bankruptcy is a part of your credit history - you don't dispute the fact that you filed for bankruptcy. Two years after bankruptcy is a very short time to expect to be obtaining credit and loans - especially considering where the economy is. Even if your credit was just okay, I doubt you would be able to get a mortgage loan at this point. Give it time, as your bankruptcy ages, it will have less weight on your credit score. Meanwhile, you should pay on time for whatever debt, bills you may have.

A Bankruptcy will stay on the credit report for 10 years. I don't know of any way to make it go away sooner. However, the impact of the bankruptcy on your credit score will lessen with time. Many lenders are willing to give prospective home borrower a mortgage loan, provided of course they qualify in other respects, 3 years after bankruptcy. Some lenders may even do it sooner if there were extenuating circumstances that lead to the bankruptcy, for example: large medical debts.