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If you filed Chapter 7 six years ago and it was dismissed but the credit bureaus will not take it off how do you get it removed?

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2009-07-30 16:02:10
2009-07-30 16:02:10

A CHAPTER 7 BANKRUPTCY TAKES 10 YEARS BEFORE THIS IS REMOVED OFF OF YOUR credit report. THE GOOD NEWS THIS DOES NOT AFFECT YOUR CREDIT ANY LONGER! *********************

I filed Chapter 7 in 2003 and depending on what your state court's definition of "dismissed" is it CAN affect your credit. For instance, some courts definition of "dismissed" is the same as "discharged." In Ohio it is "discharged" and I no longer owe any debt, however it DID IN FACT AFFECT MY CREDIT. I can NO LONGER get any. I received denial letters stating the reason for being denied, "Bankruptcy." So do your homework according to your state.

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Related Questions


The answer is yes -- Chapter 13s are removed after 7 years in a credit file

Yes. I tried to remove a dismissed bankruptcy from my credit report. All agencys were contacted and so was the FTC. They said they had a legal right to keep the Bankruptcy dismissal information on the bureaus files.

A dismissed chapter 13 remains on a credit report for 7 years. A dismissed chapter 7 or 11 remains for 10 years. A discharged chapter 7 or 13 or 11 remains for 10 years. If the date for the dismissal or discharge exceeds any of the above time limits then the consumer should contact the credit bureaus by written correspondence requesting the entry be expunged.

Collections can be disputed to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or the listing must be removed from your credit report.

Judgments will stay on your credit report for up to 7 years whether paid or not. You can dispute your judgments to the credit bureaus by sending dispute letters to each of the credit bureaus. The credit bureaus will have to investigate the items and if they are paid they have a greater chance of being removed.

Nothing, a dismissed banruptcy remains on a credit report for seven years.

A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.

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

You can remove collections from your credit report by disputing them to the credit bureaus. The credit bureaus have 30 days to verify your collection with the collection agency or it must be removed from your credit report.

You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.

You can't get it removed. It will stay on there for 10 years and that is just a consequence of filing for bankruptcy. You can write to the credit reporting agencies to have the entry changed to reflet that it has been dismissed.

Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.

Yes late payments can come off your credit report. They can be removed by either the original creditor that put it on there or by the credit bureaus. You can dispute late payments on your credit report with the credit bureaus using the Fair Credit Reporting Act. The FCRA requires the credit bureaus to contact the creditors to verify the late payment. If the late payment isn't verified it must be removed.

A Chapter seven will remain on the credit report for ten years. You can always request, legally or informally. But the law states that bankruptcy may remain on your credit report for 10 years from the date of filing. The time limit is strictly adhered to by the credit bureaus for Chapter 7 bankruptcies. The bureaus are much more flexible with Chapter 13. These can, by law, remain for 10 years. But it is customary for them to be shielded from view after 7.

Probably not. It was an attempt to get out of paying debts and many creditors would consider this to be significant as an indication of your credit risk. A dismissed chapter 13 BK remains on the credit report for 7 years from the date of the dismissal. This is true for Experian and Transunion. Equifax keeps a dismissed Chapter 13 BK for 10 years after date of filing... if anyone has been successful in getting Equifax to remove this item after 7 years, please share how you did it !!

There are 3 credit bureaus

Bankruptcies will stay on your credit report for 7 to 10 years. The only way to get it removed is to have the courthouse where it was filed remove it or the credit bureaus remove it themselves. You can dispute it yourself to the credit bureaus or hire a credit repair service to do it for you.

A late payment can be removed from your credit report. Any information you believe to be erroneous or inaccurate can be disputed with the 3 major credit bureaus and if that information is not verified, it must be removed.

No, but you may need to contact all credit bureaus to make sure the item has indeed been removed.

10 years from filing. Some credit bureaus will remove a Chapter 13 after 7 years, but the law allows 10 years for all chapters.

A bankruptcy can only be deleted by disputing it to the credit bureaus. Under the Fair Credit Reporting Act, the credit bureaus have 30 days to verify the listing or it must removed from your credit report. This will delete it from your court records only your credit report.

Repairing your credit involves sending dispute letters to the credit bureaus asking for verification on your negative listings. The credit bureaus have 30 days to contact the original creditor and get verification. If they don't, the listing will be removed. They will send you an updated credit report showing what has been removed and what has been verified and then you did it all over again.

i am A Mortgage Broker The Bankruptsy Never Leaves The VCredit Report But if You Are Trying To Do Something With Your Credit Banks Go off The Discharge Date * 10 years for a dismissed chapter 7 and 7 years for a dismissed chapter 13.

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.


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