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Can dismissed Chap 13 be deleted from your credit report all of the debts are past the statute of limitations except the deficiency for your home that was foreclosed?
Wiki User
∙ 12y ago
I disputed my chapter 13 on my credit report and it was deleted previous to the 10 year file date. Be sure that all items included in your BK are showing that they were BK, dispute those items if they are not showing BK on credit report.......then dispute BK......then go back and dispute items showing as BK, since there is no BK on credit report.... a little unethical but it worked for me.......I went from 390-420 score with 3 credit bureaus to a 720 in 1 year.... you have to be persistant......and stay on top of all 3 CB's....do NOT submit to a 3 in 1 report, you cannot dispute items with the 3 in 1 report, you must go to each individual credit bureau, order the report, then go in and dispute items. Good luck! PS, If a company receives a letter of dispute for any given reason, they must respond the cb of dispute within 30 days, otherwise cb must delete the item.....food for thought.
The above is simply not just a little unethical...it is absolutely completely and fully criminally illegal!
The credit reports is just reporting what actually happened. If it is in error correct it. You live with the past you make, and make a better future by you actions now.
And if you want to think that illegal actions will ultimately lead to a better future, because you a brilliant financial criminal mastermind and will outsmart all others...go right a head. You've shown your ability already.
Won't change that your a bankrupt..apparently in more ways than one.
Wiki User
∙ 12y ago
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If you filed for Chapter 7 bankruptcy on ten years ago what is the date that this should be removed from your credit report?
If you filed on May 20, 1994, then the statute of limitations for that will be up on May 20, 2004, and should then be deleted from your credit history. The rule is 10 years from the date filed. Hope this has been a help!
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