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How do you get a creditor removed from your credit report that was listed in the bankruptcy two years ago?
Wiki User
∙ 11y ago
If the debt was discharged in the BK the entry for the creditor should read as such. The entry itself will not be expunged until the required 7 years has expired.
Wiki User
∙ 11y ago
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Can a bankruptcy entry on a credit report be removed when the bankruptcy was discharged in 1999 and it is listed on the credit report as 2006?
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.
What can you do if a credit card was not listed in your bankruptcy but was on your credit report and credit card co did a review for credit line increase and saw the bankruptcy and notated the account?
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
How do you get addresses for credit cards for bankruptcy?
Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.
If you have a repossesion on your credit report when you file for bankruptcy will that be removed from your credit report?
No. The repossession will be its own listing. If is was including in the bankruptcy, it will be listed as 'included in bankruptcy' but it will still be listed as its own listing.UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Bankruptcy from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "bankruptcy" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The Federal Court that the bankruptcy was filed in may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.Not only can you get a Bankruptcy Legally Removed from your credit report but you can also get Foreclosures, Default Judgments, Tax Liens, Repos, collections etc...all removed. All negatives no matter how bad, how many or how recent ... they all can be removed legally!
How do you remove a bankruptcy from your credit report?
Any account included in a bankruptcy remains on your personal credit report for a maximum of 7 years from the date the bankruptcy was filed. The bankruptcy itself, listed in the public record information section of a credit report, remains for either 7 years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12. Source: ExperianMore Information:A bankruptcy can be removed from your credit report. I know two people who have done it.Basically how credit repair like this works is you, or attorneys you hire, challenge negative marks on your credit report. The Fair Credit Reporting Act - - gives you the right to dispute anything on your credit report. Once the credit reporting agency contacts the creditor to verify the account they have 30 days to respond with verification. If they do not respond the mark is removed. If they do respond you can challenge again and ask for real proof. I don't know the details of what is required but it can get to the point where they have to provide signed contracts, a list of all payments and bills, etc. What usually happens is the creditor does not respond and it is removed. The same is true of a bankruptcy, often the court does not get the information to the credit reporting agency so the bankruptcy is removed.That doesn't mean they can definitely remove a bankruptcy, or anything else. They may or may not. Obviously if the mark on your credit is not accurate it is a lot easier to have taken care of. I had credit issues caused by id theft that I was unable to do much about, but a credit repair agency quickly removed all the negative items and increased my score over 200 points. I know others who had legitimate bad marks, they seem to be able to get most of them removed but not all.Of course, this doesn't remove the actual bankruptcy, or any debts owed. It just removes them from your credit reports
Can a bankruptcy entry on a credit report be removed when the bankruptcy was discharged in 1999 and it is listed on the credit report as 2006?
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.
What can you do if a credit card was not listed in your bankruptcy but was on your credit report and credit card co did a review for credit line increase and saw the bankruptcy and notated the account?
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
Is it legal for a creditor to make inquiries even after the account has been discharged from bankruptcy for over a year?
If you are referring to a credit report the answer is NO. If the query is in reference to a creditor attempting to collect a debt that was included in the bankruptcy, the answer is also NO!2If the creditor is listed in the bankruptcy, No. If they continue to pursue it you can contact your attorney request a copy of the matrix filed in your bankruptcy, and either advise them of the page number the creditor is listed on and that it was discharged. Or, you can file a complaint with the federal court in your area and have it investigated.
How do you get addresses for credit cards for bankruptcy?
Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.
If you are not listed as creditor on chapter 11 bankruptcy?
File a proof of claim
If an account was included in bankruptcy can the creditor still show it as a charge off?
I think that your credit report would be updated to show that the account was "included in a Ch 7 bankruptcy." You should be able to get a free credit report from www.annualcreditreport.com if you want to check your credit report to be sure the account's status is listed correctly.
If you have a repossesion on your credit report when you file for bankruptcy will that be removed from your credit report?
No. The repossession will be its own listing. If is was including in the bankruptcy, it will be listed as 'included in bankruptcy' but it will still be listed as its own listing.UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Bankruptcy from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "bankruptcy" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The Federal Court that the bankruptcy was filed in may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.Not only can you get a Bankruptcy Legally Removed from your credit report but you can also get Foreclosures, Default Judgments, Tax Liens, Repos, collections etc...all removed. All negatives no matter how bad, how many or how recent ... they all can be removed legally!
Can an individual unsecured creditor not a credit card company get property such as a computer back if the bankruptcy was discharged and they were notified of it but are now making demands?
If the debt was truly unsecured and you properly listed the debt in the bankruptcy, then the debt has been discharge. If the creditor persists in violating the discharge order, the creditor could be held on contempt of court and held liable for fines and attorney's fees.
How do you remove a bankruptcy from your credit report?
Any account included in a bankruptcy remains on your personal credit report for a maximum of 7 years from the date the bankruptcy was filed. The bankruptcy itself, listed in the public record information section of a credit report, remains for either 7 years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12. Source: ExperianMore Information:A bankruptcy can be removed from your credit report. I know two people who have done it.Basically how credit repair like this works is you, or attorneys you hire, challenge negative marks on your credit report. The Fair Credit Reporting Act - - gives you the right to dispute anything on your credit report. Once the credit reporting agency contacts the creditor to verify the account they have 30 days to respond with verification. If they do not respond the mark is removed. If they do respond you can challenge again and ask for real proof. I don't know the details of what is required but it can get to the point where they have to provide signed contracts, a list of all payments and bills, etc. What usually happens is the creditor does not respond and it is removed. The same is true of a bankruptcy, often the court does not get the information to the credit reporting agency so the bankruptcy is removed.That doesn't mean they can definitely remove a bankruptcy, or anything else. They may or may not. Obviously if the mark on your credit is not accurate it is a lot easier to have taken care of. I had credit issues caused by id theft that I was unable to do much about, but a credit repair agency quickly removed all the negative items and increased my score over 200 points. I know others who had legitimate bad marks, they seem to be able to get most of them removed but not all.Of course, this doesn't remove the actual bankruptcy, or any debts owed. It just removes them from your credit reports
How can you prove that a judgment has been discharged in a bankruptcy?
The answer depends on the context. If you properly listed the debt in your bankruptcy, then the bankruptcy cour will have a proof of service showing that the creditor was notified of both the bankruptcy and the discharge. You can get those documents from the court's file and show them to the creditor or the creditor's attorney. If the creditor insists on attempting to collect the debt, you should retain an attonrey to reopen the bankruptcy and file a lawsuit called an adversary proceeding for damages and sanctions against the creditor and/or the creditor's attorney. One point that many people do not realize is that while a judgment can be discharged in bankruptcy, judgment LIENS are NOT discharged unless you file the proper motion with the bankruptcy court.
When does a bankruptcy appear on one's credit report i.e. when the bankruptcy petition is filed or when the debt is officially discharged?
When it is filed. A discharge may be opposed by a creditor and there may be listed debts that cannot be discharged, or unlisted debts that may be discharged, so the "discharge" date is irrelevant.
If someone filed bankruptcy back in 1999 and a creditor was not listed were they included in the bankruptcy?
No. And if you knew they were a creditor, you could be subject to fraud charges for having filed papers with the court swearing you were declaring your entire financial status and known creditors.
