<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/f59fe15e-51e7-4706-9574-1779c2381aa9/91146BA1-E970-4DA8-B364-0EF66D806ADB/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.bankrate.com/nltrack/news/bankruptcy/20070116_clearing-bankruptcy-credit-record_a1.asp" href="http://www.bankrate.com/nltrack/news/bankruptcy/20070116_clearing-bankruptcy-credit-record_a1.asp" style="font-size: 11px;">www.bankrate.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/nltrack/news/bankruptcy/20070116_clearing-bankruptcy-credit-record_a1.asp"><TABLE width="90%" cellspacing="0" cellpadding="0" border="0" align="center" class="BoxBlue"><TBODY><TR> <TD height="1" class="solidlinetop"><IMG width="1" height="1" src="http://www.bankrate.com/images_mra/spacer.gif" /></TD></TR><TR><TD class="arialBlueLg">Steps to take</TD></TR> <TR> <TD height="1" class="solidlinebot"><IMG width="1" height="1" src="http://www.bankrate.com/images_mra/spacer.gif" /></TD></TR><TR> <TD valign="top" height="10"></TD></TR> <TR> <TD bgcolor="%23ffffff" class="boxpad"><TABLE width="100%" cellspacing="0" cellpadding="2" border="0"> <TBODY><TR> <TD width="10" valign="top" class="interactive-gr">•</TD><TD valign="top" class="interactive-gr"><B>Step 1:</B> Pull your credit report. This will ensure that you are using the correct account numbers. </TD></TR> <TR> <TD width="10" valign="top" class="interactive-gr">•</TD><TD valign="top" class="interactive-gr"><B>Step 2:</B> Make copies. Photocopy your discharge notification, the list of accounts from your original bankruptcy petition, your driver's license, Social Security card and a piece of mail (such as a bill from a utility) that verifies your address. </TD></TR> <TR> <TD width="10" valign="top" class="interactive-gr">•</TD><TD valign="top" class="interactive-gr"><B>Step 3:</B> Send notifications. Send letters to all three agencies: Experian, TransUnion and Equifax. Keep the letters short. State that you filed 10 years ago and therefore all record of the bankruptcy must be removed. Include the copies you made in Step 2. Remember, never send original documentation. It's the only real insurance you have. </TD></TR> <TR> <TD width="10" valign="top" class="interactive-gr">•</TD><TD valign="top" class="interactive-gr"><B>Step 4:</B> Wait patiently. Wait at least one month before taking any action that would make someone look at your credit report. Once you've completed these steps, the bureaus will update your credit report within 30 days. Then, you're free and clear. </TD></TR> </TBODY></TABLE></TD></TR> </TBODY></TABLE></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/91146BA1-E970-4DA8-B364-0EF66D806ADB/blog/" title="blog or email this clip"><img src="http://content7.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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