Credit Report & Dismissed Bankruptcy

I filed bankruptcy in the state of Florida but before my confirmation hearing was held, I was able to sell my home and pay off my debts. Therefore, it wasn't necessary to follow thru with the bankruptcy and it was dismissed by the Court within a couple of weeks. I've recently learned the credit reporting agencies have listed the bankruptcy and each of my previous creditors as part of the bankruptcy. I know I need to get this corrected with each individual creditor but can I demand the credit reporting agencies delete the listed bankrupcy from my credit report altogether since I never went through with it? Should I send them a copy of the Court's dismissal as proof? The "bankruptcy" raises a major red flag and I'm now refused credit of any type for a period of 10 years.

[HomeGuru]

You are faced with the problem because although you never "went through with it" you in fact had filed the BK petition. The credit reporting agencies are reporting that you had filed. It is good that you were able to overcome the hardship without going through BK. The credit reporting agencies are not obligated to remove the BK statement from your credit reports but you are allowed to explain what happened and have your statement appear as part of your credit report. You should take full advantage of this opportunity to clear your name and better your credit.