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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 594
99 Magic Points
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Thu Nov 12, 2009 5:32 pm
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Hi atb242,
I am reporting an update. I contacted the Federal Trades Commission today. The lady there told me to dispute it with the original creditor. She said it could be that they never received the proper documents that said they were included in a bankruptcy and they are reporting to Equifax what they have on file. So I guess I will be sending out dispute letters letters and hopefully it will get resolved that way. But she also agreed that I had sent Equifax enough legal documentation that they should have went on and fixed it without all of this having to be done. Hope this helps. |
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lauragrodsky
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Subject: charge offs
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Tue May 11, 2010 2:11 am
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| once my debts were discharged through my bk, should the mention of charge off still be on my credit report |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: charge offs
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Fri May 14, 2010 10:09 am
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Hi lauragrodsky,
Once your debts are discharged through bankruptcy, the charge-off does not get removed from your credit report. However, whether or not any comment can be updated against the charge-off depends on the creditors. I think you can talk about this to the creditor.
Thanks,
Aaron
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Scott Richter
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Subject: Creditor Reporting
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Thu Nov 11, 2010 11:28 pm
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| I recently had a personal bankruptcy discharged of which I included our home mortgage in the bankruptcy only for the purpose of protecting my home from creditors. I have always made my mortgage payments and will continue to do so. I want to know how I get my mortgage holder to report to the credit bureaus that I have a balance and the payment history is perfect without being late. They are showing a 0 balance and not reporting that I am making the payments thus my score is not getting the benefit and improving. |
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karenmcqueen
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Fri Dec 10, 2010 3:49 am
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| Yes you can sue. Your lawyer should be helping you with that. |
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shawn
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Subject: chapter 7
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Tue Jun 21, 2011 5:58 pm
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| I filed for chaper 7 in april and it has not been discharged and creditors i filed on are still turning it over to collection agencys can they do that. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Thu Jun 23, 2011 12:30 pm
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| Once you file BK, the CA's can turn your debts over to anyone they want to. However, if that particular debt was 'liquidated' in the BK, you have nothing to worry about. I'm not sure how long it takes a BK to become 'discharged'..you may want to ask an expert, on this Forum or talk to the lawyer you did the BK with. He should be helping you and answering any questions you may have. |
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mgvv5
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Subject: Bankruptcy reported as a foreclosure
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Thu Aug 25, 2011 1:33 am
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| I am havinjg problems. I filed bankruptcy over 2 years and my 1 home loan was reported has a foreclosure. I diputed it and and the CB changed the status but the creditor notes/statement still says foreclosure has started which is a primary field when appling for a new loan. Does anyone know how to have this removed? Thanks |
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