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If you mean you never filed bankruptcy, your name and social security number have evidently been confused with someone else's. You will have to contact the 3 credit reporting bureaus and ask them to verify the information. You can acess them all through one site: www.annualreports.com. Do not go for the ID theft protection or other stuff that will cost you. Go directly to the free credit reports.
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∙ 16y ago
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How do you remove a repossession on your credit report after bankruptcy is discharged?
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
If you just divorced and already have foreclosures and repossessions on your credit report will filing bankruptcy help your credit score?
No, filing bankruptcy will never help improve your credit score, it stays on your report 10 years whereas a repo or foreclosure normally remain 7 years. So bankruptcy would only make your credit worse.
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.
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.
How long does it take for the accounts to come off your credit report after being discharged from bankruptcy chapter seven?
Never
Where can you get a free credit report for filing bankruptcy?
The credit bureaus are legally required to give you a copy of your credit report on request (there's a limit on how often you can ask for it, but if you've never asked for one you should be okay there).
How does bankruptcy affect your credit ratings?
As with everything, bankruptcy law can be complicated and the manner by which credit ratings occur can seem mysterious at best. Filing for bankruptcy will in general lower your credit score, but with some good spending habits and good financial stewardship will again rise over time, especially since part of your credit score has to do with income to debt ratio. When you file for bankruptcy, the debts do not simply disappear as if they never existed. Your history of late or missed payments, if you have one, will remain on your credit report and will continue to drag down your credit score. Additionally, the bankruptcy will stay on your record for many years. A Chapter 7 bankruptcy will remain on your credit report for 10 years from the date of the filing
Why do some items on your credit report never come off?
{| |- | AnswerSome things like filing for a bankruptcy never come off easily from your credit report as such an incident is considered as you are not able to manage your finances and lenders later see this as a risk.|}
If you filed for bankruptcy and then changed your mind and never went through with it and it is showing up on your credit report how do you get it removed?
A dismissed bankruptcy whether voluntarily or done by the bankruptcy court will remain on a CR for the required 7 years.
How many years do you remain blacklisted?
We will assume this questionis regarding filing Bankruptcy. You are never blacklisted during bankruptcy. It will remain on your credit report maximum of 10 years. That does not mean you will not be able to reestablish credit after filing bankruptcy during those years. What you will be able to obtain will depend on your payment history after the bankruptcy, the type of credit applied for and the length of time since you filed.
How do you remove a dismissal from your credit report?
If you are referring to a dismissal from a job, I do not think that should be there. I have never heard of the dismissal from employment being on a bankruptcy. I would consult an attorney on this.
If your first bankruptcy was dismissed and the second one filed but you never made payments for either can they be removed from your credit report?
The second according to my credit report only says filed. My transUnion doesn't show it and I don't have my Experian report. I will have to contact the court I am sure to get the documentation I need. thanks for your input. Your first bankruptcy can be removed, because it was dismissed. A dismissal is a legal disposition of the legal action bankruptcy. The other disposition is discharged. You don't mention what the disposition was of the second bankruptcy. If it was granted, and your debt discharged, but you never paid on it, (was it a chapter 13?) then it is not discharged. You need to find out the correct status of the bankruptcy before this question can be answered.
