Credit Cleaning after Ch 7 BK?

You can do it yourself...paying someone to do it for you is risky because there is always the possiblity of stuff that cannot be removed. Just start disputing everything on your credit report....go over it with a fine tooth comb.

I thought maybe hiring someone would be best, because I have no idea how to dispute things on my credit report or how to do it.

Read and research. There is always the possiblity that stuff wont come off since it is within the reporting sol and reporting correctly. You could end up throwing away your cash.

Disputing items on your credit report is actually very easy.

1) Go to ANNUALCREDITREPORT.COM and request your reports from all three credit bureaus. The site is sponsored by the government and there is no charge to receive your reports once per year or any time you've been denied credit.

2) Go through each report carefully and dispute anything that is inaccurately reported. You may also find variations of your name, address or SSN that are incorrect - you can dispute those as well, but you may have to do it by phone.

Hope this helps.

Actually, if your Ch 7 BK has been discharged, you pretty much can get a car loan the day is was discharged...(well, that was before the economic meltdown)...so, you don't have to worry about credit cleaning b/c everything should've been included in the BK...just make sure your credit reports are showing them as Included In Bankruptcy.