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What do you do if a dismissed chapter 13 bankruptcy is still showing on your credit report after 7 years?
Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.
Will going through a debt settlement and negotiation company hurt your credit?
Yes, if you do not follow through with it to the Letter! Chances are if you are in position to use this method of debt elimination, your credit is already shot. If you still have good credit, settlement is a silly option because it destroys the credit rating on two fronts. First, creditors won't consider settling with you until you are at least 90-120 days past due. This kills your payment history and drops your score way down. Second, the creditor can really stick it to you for the next 7 years based on the notation added upon completing settlement on the account. Anything other than "paid in full" is bad. "Paid as agreed" is not good, and "paid -- charge off" or "paid -- collections" are both really bad. Finally, anything with the word "settled" in it goes in your credit file as an "R-9" code, which is a half-step above bankruptcy. Future creditors will deem you an extreme risk. The trick is to negotiate with creditors just what language they will use in their final report -- and get it in writing before giving them any funds. Your credit report summarizes your track record for paying off credit accounts. Specifically, it displays information on any late payments or outstanding debts on these accounts. Any difficulty you have in making payments for your accounts will show up in your report and could negatively affect your score. Debt settlement is when a person enlists the help of a debt settlement agency to negotiate lower monthly payments with a creditor for which there is a large, outstanding debt. Needing debt settlement usually means a person is having difficulty managing credit accounts and debt. Because of this, debt settlement could look bad on a credit report and could possibly have a negative affect on a credit score. FYI: The credit reporting agency Equifax provides a helpful website with information on credit. It's written for the general public, so it's very easy to read. http://learn.equifax.com/
How can you get a civil judgment from creditor either off your credit report or show it was included in chapter 7 bankruptcy filing?
You cannot get it off of your credit report. You can get the accurate information that the account has been handled in Bankruptcy court on __ date. You need a copy of your bankruptcy judgement. This shows how many and what accounts were written off or still need payment. You can send copies of this to the 3 credit bureaus. USUALLY, this will help you get the problem mitigated. Not always though as the credit companies only need to respond to material sent in by their contracting clients. If this is the case, when you get a copy of your credit report, sent in a 100 word or less letter to all 3 credit bureaus telling them what the situation is and they must print that out in all your credit records. This may or may not help, but it is better than nothing by far.
What is an example sentence with the word bankruptcy?
His attitude brought him bankruptcy An involuntary bankruptcy petition may not be filed against an individual consumer debtor who is not engaged in business.
What is the adjective of the word credit?
The adjective form of the word credit is creditable. If you are looking for an adjective that would describe the word credit, you could use good or bad.
What is the English meaning of the word bancarrota?
Bancarrota is a Spanish word, but translated into English means Bankruptcy. Bankruptcy is when someone does not have enough money to payback any of their debts. Filing for Bankruptcy can have very negative effects a person's credit rating.
What is the abbreviation for the word Debit in accounting?
Debit is seen as Dr in accounting. Credit is Cr. They stand for Debit Record and Credit Record.
What is the meaning of bankruptcy trade lines?
What does it mean??? I had two credit checks done and in both of these that phrase was mentioned! I have never owned a home so why would the word bankruptcy be mentioned??? Someone answer me please!!! pbeckjr@gmail.com
How do delete bankruptcy after the 10 years?
Delete is probably the wrong word. What you are asking is how long bankruptcy stays on your record and it usually stays for 7-10 years (sometimes more, sometimes less). Because you filed ten years ago, you should be seeing the majority of the negative effects go away. Also, you should be proactive and work on establishing credit, saving, etc and that will certainly expidite the process.
What do you do if a dismissed chapter 13 bankruptcy is still showing on your credit report after 7 years?
Get an "official" copy of your bankruptcy documents indicating the date that the Bankruptcy was dismissed. Send the official copies to each of the credit bureaus that are reporting the information and request that they update their files accordingly and to forward to you an updated copy of your credit report. The key word here is "request". do not demand, threaten or utilize any form of aggression. just be simple, polite and to the pint with your request This should solve the problem. Both Experian and Transunion remove a dismissed Chapter 13 bankruptcy after 7 years. Equifax's policy is to keep it on the credit report for 10 years. Has anyone been able to successfully request Equifax to remove this item after 7 years? While it's true that the negative impact of a dismissed bankruptcy filing is diluted with age, any reference to "bankruptcy" still casts a dark shadow on a credit report no matter how long ago it was filed.
What is the Telugu word for English word settlement?
The Telugu word for settlement is Parishkaaram (పరిష్కారం). I think most of the Google translations are correct. There are two boxes. There are many languages for both. Choose your language in the first box and then choose the language you want in the other box. You will get the translation on the other side as soon as you typed the letter in the first box. There are speakers too for many languages (not all). Telugu has speaker icon. You can hear the pronunciation as soon as clicked the speaker.
Will going through a debt settlement and negotiation company hurt your credit?
Yes, if you do not follow through with it to the Letter! Chances are if you are in position to use this method of debt elimination, your credit is already shot. If you still have good credit, settlement is a silly option because it destroys the credit rating on two fronts. First, creditors won't consider settling with you until you are at least 90-120 days past due. This kills your payment history and drops your score way down. Second, the creditor can really stick it to you for the next 7 years based on the notation added upon completing settlement on the account. Anything other than "paid in full" is bad. "Paid as agreed" is not good, and "paid -- charge off" or "paid -- collections" are both really bad. Finally, anything with the word "settled" in it goes in your credit file as an "R-9" code, which is a half-step above bankruptcy. Future creditors will deem you an extreme risk. The trick is to negotiate with creditors just what language they will use in their final report -- and get it in writing before giving them any funds. Your credit report summarizes your track record for paying off credit accounts. Specifically, it displays information on any late payments or outstanding debts on these accounts. Any difficulty you have in making payments for your accounts will show up in your report and could negatively affect your score. Debt settlement is when a person enlists the help of a debt settlement agency to negotiate lower monthly payments with a creditor for which there is a large, outstanding debt. Needing debt settlement usually means a person is having difficulty managing credit accounts and debt. Because of this, debt settlement could look bad on a credit report and could possibly have a negative affect on a credit score. FYI: The credit reporting agency Equifax provides a helpful website with information on credit. It's written for the general public, so it's very easy to read. http://learn.equifax.com/
What is the Gaelic word for bankruptcy?
féimheacht
What is the plural of the word bankruptcy?
Bankruptcies
How can you get a civil judgment from creditor either off your credit report or show it was included in chapter 7 bankruptcy filing?
You cannot get it off of your credit report. You can get the accurate information that the account has been handled in Bankruptcy court on __ date. You need a copy of your bankruptcy judgement. This shows how many and what accounts were written off or still need payment. You can send copies of this to the 3 credit bureaus. USUALLY, this will help you get the problem mitigated. Not always though as the credit companies only need to respond to material sent in by their contracting clients. If this is the case, when you get a copy of your credit report, sent in a 100 word or less letter to all 3 credit bureaus telling them what the situation is and they must print that out in all your credit records. This may or may not help, but it is better than nothing by far.
What is another word for Bankruptcy?
Synonyms for Bankrupt:BrokeDestituteDepleted
How many syllables in the word bankruptcy?
Three.
