You can contact Equifax and tell them you wish to see a copy of your credit report..If you disagree with anything on the report, you can challenge the information..Under the consumer bill of rights, they have a specific time to verify the correctness of the information they have..If they can not confirm their information, they must drop it from the report.
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.
how do you validate equifax certificate authority?
Bankruptcy only impacts your credit for 7 years. Contact Experian, Transunion, Equifax to get it removed from your credit report. Addresses and phone numbers to all 3 are avail. on internet,
Assuming that you properly listed the debt in your bankruptcy, the creditor should report the balance owed as zero and it should also correct your credit report to show that the debt was discharged in bankruptcy. You should send a certified, return receipt letter (keep a copy) to the credit card company and enclose a copy of your discharge. Demand that they correct this entry on your credit report. If they fail to do so, contact a local bankruptcy attorney for further assistance. Failing to correct a credit report can be a violation of the discharge order and the bankruptcy court could order the creditor to pay you damages if they fail to correct the error. You should also write a dispute to the three credit reporters: Experian, TransUnion and Equifax, and have them insert it in your report, i.e. "This debt was discharged in bankruptcy on _____ (date)."
A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years
Generally ten years from the time of the last (closing) activity of the said bankruptcy.
In theory a dismissed BK should be removed from a CR in seven years. A discharged BK, in ten years. Equifax, however will usually inform the consumer that they will carry both for the full ten. The reality is neither is better, they are both very damaging to a person's credit history.
Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.
If a judgment is not listed as "discharged in bankruptcy" on one's credit report after bankruptcy, one can make a written request to the three national credit reporting agencies to reinvestigate your report and list it as discharged (they normally need proof of the bankruptcy filing, such as a copy of the Notice of Bankruptcy or at least the Discharge). (See Fair Credit Reporting Act Section 611(a)(1)(A)). One can contact them at: Trans Union Corporation ATTN: Public Records Department 555 West Adams Street Chicago, IL 60661 Experian Profile Management P.O. Box 9558 Allen, TX 75013 Equifax P.O. Box 144717 Orlando, FL 32814 Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Visit RossLawOffice.com for more information about bankruptcy.
Write a letter to the CRA's with the pertinent info. regarding the BK. Court, docket#,discharged date,etc. Experian-National Consumer Assistance Center, PO Box 949, Allen,TX. 75013 Transunion LLC.-Consumer Disclosure Center, PO Box 1000, Chester.PA. 19022 Equifax-Equifax Credit Info. Service,Inc.,PO Box 740241, Atlanta, GA. 30374.
You can write them or call and request that your bankruptcy be removed. They do not have to remove it, however. It is generally the amount of time that it falls off your credit or is not considered when being looked at for credit.
Yes, econsumer equifax is a division of equifax. Econsumer equifax is just another way for you to see your credit report. This division started in 2008.
It depends on what your credit score was before your filed bankruptcy. If your credit score was low before your filed bankruptcy, then after your bankruptcy is discharged, if you send a copy of your Schedules and Discharges records to all three credit bureaus; Trans Union, Experian and Equifax and ask them to zero out all the past due balances now that you do not owe them anymore then your credit score will more than likely be higher than before you filed. Also, your bankruptcy filing is picked up under the Public Records section of your credit report, however, after 12 months the scoring models do not pick up the bankruptcy anymore so it does not effect your score. It is visible on your report for 10 years after a chapter 7 and 7 years after a chapter 13, but not in your score. It is a good idea to open up an account after your bankruptcy discharges so your scores will continue to go up. If you open a credit card, just make sure you do not go over 30% of the limit, and pay it off every month. You can go to http://www.bankruptcy-records.us/Credit_Restoration.html for step by step instructions on how to handle your credit after a bankruptcy.
Number for Equifax in the US 404 885 8000Number for Equifax in the UK: 0844 740 5825
I need to contact Equifax to find out to get a credit report machine for my business.
Equifax Office Location in NY
Removing Liens and JudgmentsYou can't. By federal law bankruptcies can be reported up to 10 years after filing, assuming a discharge, of all discharged unsecured debts. Liens are secured debts and may or may not have been discharged. Undischarged debts may be reported up to 7 years after your last account activity. You are probably referring to the "Public Records" part of the credit report. In that case you can't. Court cases are a public record, even if its dismissed, unfounded, you win, etc. All the CRAs do is searh for your name in courts across the country. If they find a case, it goes on your credit report along with the type (Judgement Lien, Foreclosure, etc). If you sue someone else, it can show up on your credit report.Here are more opinions and answers from other FAQ Farmers:You cannot remove the lien that was in the bankruptcy, but you can contact each of the repositories, equifax, experie and transunion with a copy of the bankruptcy list of creditors and have them listed on the credit report. This way it will show the creditors being included in the bankruptcy which will show they are no longer open accounts and raise your score.Your bankruptcy attorney should have removed any judgment liens on exempt property during the bankruptcy. This is done by the filing of a Motion to Avoid Judgment Liens or a Motion to Avoid Liens on Exempt Property. If this was not done, most Bankruptcy Courts will allow you to reopen a case to avoid liens. It might be cheaper to pay the lien or negotiate a settlement. Call both the lien holder and your lawyer to determine the cost of either action.
The ticker symbol for Equifax is EFX and it is traded on the New York Stock Exchange.
Equifax credit reports are generally regarded as being very accurate. Equifax is one of the three biggest, respected, and well recognized American credit agencies.
The best place to get a free Equifax credit report is from Equifax. This can be done by visiting Equifax's website and clicking the link that says: "Get you free credit report".
Equifax offers you great things, beyond just giving you your credit rating. With Equifax you can see how different choices you make will affect your credit rating in the future.
You must contact the lien holder. If necessary, Equifax can provide you with contact information for the creditor. Equifax can only remove it when the lien holder provides in writing a clearance of the lien.
Equifax is one of the three national credit reporting bureaus. Consumers are entitled to request a report annually from each of the three bureaus, including Equifax.
There are lots of places online where one can check their credit score. However, to specifically check one's Equifax credit score, that person would have to visit the Equifax website.
First, order your credit reports from all three bureaus, Equifax, Experian and TransUnion. Second, write a letter of dispute requesting removal of the bankruptcy due to its' age to any bureau still showing the listing. Third, follow up and make sure that the bureaus complied with your request.