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You present proof that the repossession never occured. You can dispute it with the credit reporting agency.

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โˆ™ 2006-06-13 03:44:31
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Q: How do you remove a repossession on your credit report after bankruptcy is discharged?
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Does bankruptcy remove a repossession from your credit report?

No.


Can you file for bankruptcy with a repo on your credit?

The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.


Can you remove a repossession off your credit report if your cosigner has a judgment on the repossession?

No you cannot remove a repossession off your credit report if your cosigner has a judgement on the repossession.


Your bankruptcy was discharged in 2002 how long does it stay on your credit report?

They go by when it was filed--not discharged. Legally, the answer is 10 years from filing; however, some credit bureaus remove Chapter 13 after 7 years.


What motion do you file to remove a judgment after BK 7?

The judgment remains as a court record. The credit reporting agencies should report that it has been discharged in bankruptcy. If the bankruptcy remains on your credit report for more than 10 years, you can tell them to remove it.


How can you quickly remove a judgment from your credit report?

Bankruptcy. Bankruptcy will not remove a judgment from the debtor's credit report. The judgment will still remain for the required time if it is discharged in bankruptcy, settled or paid in full. Valid judgments remain for the required 7 years. Most judgments are renewable and can be reentered on the debtor's credit report whenever that action is taken.


How do you remove liens or judgments once your chapter 13 is discharged?

You cannot have liens or judgments removed unless you write the credit bureaus and give them a copy of your discharged bankruptcy. Some liens and judgments will not need to be paid but will still remain on your credit report.


Does filing bankruptcy remove bad marks from your credit report?

No. What will happen is all the defaulted accounts listed in the bankruptcy will be marked as such.."included in bankruptcy". The credit history, late payments, judgments, etc. will remain the same. In addition to the scenario in the above answer: The bankruptcy filing itself will be listed in the "public records" portion of your credit report. The disposition needs to be listed also (the discharge). The "bad marks" (i.e., the accounts) will show on your credit for 7 years. The bankruptcy listing will show for 7 years for a completed and discharged Chapter 13 bankruptcy and 10 years for a discharged Chapter 7.


How do you remove a bankruptcy from your credit?

You can dispute a bankruptcy to the credit bureaus. This gives them 30 days to verify it with the courthouse that filed it or it must removed from your credit report. This would only be the bankruptcy, not the items included in bankruptcy. You would have to dispute them separately. Answer No, a bankruptcy cannot be removed if you actually had one and it was discharged. Rather, it will "time out" after a set number of years. You can recover some credibility after a couple of years of paying accounts as agreed.


How do you remove bankruptcy from your credit rating?

The only way to remove a bankruptcy from your credit report is to dispute it to the credit bureaus. The credit bureaus have 30 days under the Fair Credit Reporting Act, to verify your bankruptcy withe the court that filed it or it must be removed from your credit report.


Can a lender report repossession of a discharged auto?

If they repossessed it as part of the bankruptcy (and you didn't get it back), probably yes. However, the bankruptcy itself is a bigger black mark than the repo, especially since it can stay on your credit report longer (up to 10 years after filing, though some bureaus remove Chapter 13 after 7 years; repos only stay for 7 years).


Can you remove a bankruptcy dismissal from your credit?

No. Backruptcy will always appear on your credit. After 7-10 years your credit will be as good as someone who has not filed bankruptcy.


Can you remove bankruptcy from credit report?

Yes you can remove a bankruptcy from your credit report. You must dispute it to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or it must be removed from your credit report. A bankruptcy should only be disputed if it is erroneous or inaccurate.


How do you get a credit card debt that was included in a bankruptcy removed from your credit report?

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.


Will filing a bankruptcy remove a judgment on credit report?

No, a BK does NOT remove negative items in credit reports.


Does a bankruptcy remove the crediters from your credit report?

No, the information remains on your credit report.


How do you remove a bankruptcy from your credit report that isn't yours because you have never filed for bankruptcy?

Contact the credit bureau that has the incorrect information about the bankruptcy. They will contact whomever they need to in order to verify the information or remove it if it is deemed false.


Are creditors required to remove debts from credit reports if filed under bankruptcy 7?

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)."


Who do you remove a chapter 7 bankruptcy from your credit report?

You dont, the courts or credit companies are the only ones that can remove them. Very long process if they allow it and nowadays, they can choose to keep bankruptcy on your credit for 20 years or more.....


How do you remove bankruptcy on my file that i never filed?

If there is a bankruptcy filing showing on your credit report and you did not actual file, you should dispute that information with the three credit bureaus. They will then investigate and remove the information if it is inaccurate.


If you file bankruptcy will that remove a charge off report from a credit card?

Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


Can I remove bankruptcies from my credit report?

Not really. Chapter 13 bankruptcy stays on the credit report for seven (7) years (can be ten, but usually seven) and Chapter 7 bankruptcy stays on the credit report for ten (10) years. Once the term is over, you may dispute the bankruptcy with the credit bureau, however, there are no ways to remove the bankruptcy until the term is complete.


How long after you file bankruptcy can you put claims to remove from your credit?

It stays on your credit report for ten long years and they won't remove it.


If you filed chapter 13 7 years ago and it was discharged in Feb 01 how can you contact the credit bureau to remove this from your record if your attorney will not return your phone calls?

A Chapter 13 bankruptcy will remain on a person's credit report for the required ten years not seven.


Will a credit reporting agency remove a Chapter 7 bankruptcy early?

No, a valid entry on a consumer's credit report remains until the set expiration date. In the case of BK 7 the time limit is 10 years from the date the BK is finalized/discharged.