Outdated information about a bankruptcy needs to be disputed by the same process as any other error or mistake showing on your credit report.
Send your discharge page along with a letter of dispute, proof of your address and identification to the bureaus requesting that the information be removed, corrected or updated. Request a new and complete credit report as proof that the information has been fixed. Send your request by certified mail, return receipt requested, so that you can keep track of when the bureaus received your request. They have 30 days by law to respond.
The only thing I would add to the above is send a "COPY" not original of the BK discharge page. Never send original copies to the CRA's, they are not your friend and you may have headaches getting the originals back or getting additional official court copies.
Bankruptcy does not get discharged. Debts are discharged. The bankruptcy will remain on your credit report for 10 years from the date of filing. The debts that were discharged can remain for 7 years from the date of discharge, showing a zero balance and that they were discharged in bankruptcy.
It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.
No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.
If you have checked your report from Equifax and a discharged bankruptcy is on there, you can simply write to them with the amendments and they are obliged to correct their report.
Bankruptcy does not get discharged. Debts are discharged. The bankruptcy will remain on your credit report for 10 years from the date of filing. The debts that were discharged can remain for 7 years from the date of discharge, showing a zero balance and that they were discharged in bankruptcy.
It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.
Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.
No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.
If you have checked your report from Equifax and a discharged bankruptcy is on there, you can simply write to them with the amendments and they are obliged to correct their report.
No, it will remain for seven years.
Yes, discharged debts are generally noted as "included in bankruptcy" on a CR.
It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.
Not if the debt was discharged in the bankruptcy. If the judgment was on the credit report before the bankruptcy was filed and/or was discharged in the bankruptcy, the entry will still remain on the CR for seven years.
Write a letter of dispute to the credit repository. Include copies of your drivers license, social security card, utility bill, and your bankruptcy papers showing the referenced account. Ask that the bureau remove all notations other than "included (or discharged) in bankruptcy". Request a complete credit report after the account has been corrected. Repeat, as needed.
If a loan from a credit union has been discharged in bankruptcy court, that credit union cannot collect and must write the loan off.
Yes, you can have a civil judgment removed from your credit report if it was included and discharged in a bankruptcy, even if the judgment date is later than the bankruptcy discharge date. You may need to dispute the judgment with the credit reporting agencies and provide proof of the bankruptcy discharge to have it removed from your report.