Chapter 7 discharge, judgment on credit report

Submitted by Anonymous (not verified) on Wed, 11/25/2009 - 21:53

Hi All,

I filed bankruptcy in 9/2005 and it was discharged/reported 3/2006.

BUT.... there is a judgment on my reports thats related to the bankruptcy from one of the lenders? Details as follows:

Equifax:
under closed accounts it shows a loan (unsecured):
"Included in bankruptcy" "Bankruptcy chapter 7 discharged"

Under public records it shows:

The bankruptcy of course
and
The loan!!!
Details are as follows:
Type: Judgment
Date filed: 3/2006
Case #: XXX
Court Address: 14 Livingston
Plaintiff: the Lender
Defendant: me
Amount: xxxx
Status: (shows nothing)
Date Reported: N/A
Satisfied Date: (shows nothing)
Verified Date: (shows nothing)
Comments: (shows nothing)

Transunion:
Pretty much the same details except the type has "civil judgment" and estimated date that this item will be removed is 2/2013.

Why is this? is this a mistake? I just want to learn more before i move forward. Thanks for all replys and help.

Hi Guest,

If the bankruptcy has been discharged, then it must be mentioned in the credit report. It might be an instance of inaccurate information n your report. You can either call the credit bureau and clarify it with them or write a dispute letter asking them to update the information properly on your credit report. A judgment stays on your report for 7 years, just like any other negative item. However, you can always dispute if you think that the status has not been reported properly in your credit report.

Thu, 11/26/2009 - 06:58 Permalink
Anonymous (not verified)

I think my original post might have been a bit misleading, let me clarify. The bankruptcy IS mentioned on my reports as discharged. My confusion is regarding a civil judgment for a loan that was discharged in the bankruptcy. The bankruptcy was filed 9/2005, discharge date 3/2006, civil judgment was filed 3/2006, with no date reported or satisfied date.
So, I want to understand why that judgment is on my credit report and what does that mean with no dates? Is it resolved or not? It was discharged though?
BTW: I recieved the bankruptcy discharge settlement form and I'm awaiting that decision. Is it due to that issue that they sent me that form?

Thu, 11/26/2009 - 07:13 Permalink

I believe it is suppose to say included in bankruptcy 0 balance. Try disputing it with the credit agencies first and if that doesn't work dispute it with the original creditor. It could be they haven't received the proper papers and haven't updated it in their system. I had one that was reported as a charge off and I disputed it for two months before the original credit would correct it. If you run into that happening let me know. I can tell you the next step to take to get it corrected.

Thu, 11/26/2009 - 08:03 Permalink

Hi,

I would like to believe that it is for the same issue and vice versa. Unless that is settled your status cannot be updated. I suppose you had filed the bankruptcy against the judgment right? If that is so, then you must dispute it with the bureau telling them that the bankruptcy related to that judgment has been discharged. If it for some other reason, then also you can dispute the date since it is inaccurate.

Thu, 11/26/2009 - 10:49 Permalink

You need to go to the court house have them look up the judgment and give you further information on the status. If it is showing that you owe, you need to inform them that it was included in bankruptcy and that it need to be dismissed. Hopefully dismissed - that way you can get a copy of that form and forward it to the credit reporting agencies with request for deletion.

Thu, 03/11/2010 - 01:10 Permalink
anthony h (not verified)

I filed for chapter 13 protection in Dec 2001. I complied with the terms of the bankruptcy to the T. After the fourth month I received a letter from the court stating that I was no longer under the protection of the court because some paperwork ( my income tax return) was not filed in a timely manner. Needless to say, all the creditors resumed their collection tactics. I ended up losing our home, cars, etc. It's 10 years later and time to clean up this mess. On my credit reports the banruptcy shows up as discharged with a removal date of Nov 2011. I can't wait for that. I would appreciate any input. Can I dispute the bankruptcy itself appearing on the credit report? Basically I got the stigma of turning to bankruptcy court when I did not even receive any of their services. Aloha, A.

Thu, 09/23/2010 - 21:45 Permalink

Hi anthony,

I am really feeling sorry for the situation you have gone through. But, you could have re-filed the bankruptcy within 180 days of the first dismissal of bankruptcy.

However, I am afraid that you can't remove the bankruptcy before 2011. It is there to stay for the stipulated time.

Thanks,

Aaron

Fri, 09/24/2010 - 11:03 Permalink

From the information that you are providing it sounds as if this judgment was reported after your bankruptcy case is filed. From my point of view the creditor cannot report it after you have filed your bankruptcy case. Once your bankruptcy case was filed they should not be reporting derogatory information on your credit report. Although a judgment can remain on your creditor report for 7 years, in this instance it was reported after your bankruptcy case was filed.

Fri, 10/15/2010 - 05:51 Permalink
crorkz matz (not verified)

2JFTmd Really informative article.Thanks Again. Fantastic.

Tue, 08/05/2014 - 09:32 Permalink
Rell Thomas (not verified)

Hi all! I hold Hack West Credit Repair in a very high esteem perhaps this post. I had a lot of debts previously. Credit card, loans, and a whole lot of other debt. Debt collectors have been embarrassing me with several phone calls and text. I’m so stressed out that my depression and anxiety multiplied tenfold. Today makes it exactly a year ever since I came in contact with HACKWEST who cleared my debts, removed all derogatory items from my profile including the hard inquiries and increased my score to 786 in less than 30 days. I vowed to always do this every Christmas celebration in appreciation for what they did for me. I must confess these guys are good. I’m sure so many other persons are in this situation or even worse, you can contact them via email: Hackwest@writeme.com or text: (424) 307 2638 and please don’t forget to mention my name to them. Merry Christmas and a Prosperous New Year.

Tue, 12/25/2018 - 11:34 Permalink
Alexis Brooklyn (not verified)

Happy New Year my name is Alexis from Texas I live in NY. I’m a divorced mom of 2 kids with a substantial income. We were going to lose our home because I didn’t have the credit score to purchase it. I had already worked with a hacker that almost wrecked my account with zero result. He also introduced one of his friends who tried to help but couldn’t because of the new security on the credit bureaus, they were unsuccessful but if I paid $1500 more, they would send me a cloned Credit Card and it is nothing but another big mess. I continued making more research on whom to help me with my credit until I read some reviews from people talking about Ghost Virus and how he help people who have alarming poor credit. I texted on +1 (205) 418 0498) and emailed Ghostvirus7890@gmail.com asking if everything I heard and read were legit that I am interested in his service ASAP. I got a responds and further explained the process. We moved on and Ghost actually did all he said he would do within 8 business days and now I’m happy sitting on an average high credit score of 790 across the 3 major credit bureaus with no negative items on it. You can connect with Ghost for a Credit Repair assistant.

Thu, 01/10/2019 - 23:13 Permalink
Greg7363 (not verified)

However, there are many services that might try to take advantage of you and your financial needs by trying to steal your money or financial information not this guy. I’m GREG, I live in Tennessee. I’m very grateful to Ghost. Last year, I needed help with my credit. My current credit score was 506, I wanted a higher score and probably my old accounts deleted although most of them I had no idea why they were there, because I never opened accounts with credit card. I went on internet to search for help and I found Ghost the credit Expert and I immediately contacted him (205) 418 0498; GHOSTVIRUS7890@GMAIL.COM). We got started with the process with some few questions and a little display of competency as a proof of legitimacy. He (deleted the accounts, erased all the inquiries and eventually raised my score to 780. I guess someone out there with bad credit issue will be in need of such help. I’m very certain Ghost will help you contact them today have a wonderful Day.

Mon, 01/14/2019 - 17:05 Permalink
James Lawson (not verified)

Hello Guys before working with COLEFRANKSERVICES I had a credit score of 531 to 542. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,800. At the time my credit report was awful with red mark all over it. I had a couple charge-off accounts and I was stressed out about them. I called the credit bureaus and asked them for my credit report. I found out I had about 7 negative items and 9-12 hard inquiries from every bureaus. While searching for solution, I found several good reviews about ColeFrankServices on different blogs and sites. At first I was skeptic and curious, so I sent them an email. They quickly replied back addressing me to an agent whom explained the process and everything needed to fix my credit there was absolutely no confusion. My credit score now is 795 and 790 deleting all the negative items on my report and also added beautiful Tradelines. Contact them COLEFRANKSERVICES@GMAIL.COM: +1 424 245 2993 if you have any question or you need their services. I paid absolutely nothing to Bank of America and it is all cleared in my credit report.

Wed, 01/16/2019 - 14:55 Permalink
Johnny Taylor (not verified)

I must acknowledge the tireless effort of Cole Credit Services, your commitment and dedication are greatly appreciated helping men and women with credit issues. I had a bad credit which disqualified me from many things and my score was on a low 474 but after my contact with Cole regarding my credit issues I can now boost of an excellent credit report and my score on a high 790. God bless your entire team and service to the community. I strongly recommend any one with a credit challenge to contact them COLEFRANKSERVICES@GMAIL.COM

Fri, 01/18/2019 - 00:33 Permalink
Angie Knox (not verified)

With great joy in my heart I’m happy to share my testimony. Last year I applied for a loan but I was disqualified due to my terrible Credit Report I online for a solution to my credit. My name is Angie mother of 3 since the death of my late husband life has been perilous for us my business too was not in good shape. I had late payments, Eviction, a large history of bills, couple of collection..my credit was a mess with low score Trans 545 Equ 487 Exp 610. 2weeks ago I was on a Credit Repair Site following instruction and Video lesson on how to fix my credit when I came across a review of a lady testifying about how she got her credit fixed using the help of a Credit Hero Ghost Virus. I contacted him on both GHOSTVIRUS7890@GMAIL.COM; +1 205 418 0498 and explained my situation and I really needed help although I was skeptical about but the whole thing I just had to give a try. I followed he’s instructions and did all he asked me to do within a period of 9 days my credit was fixed and my scores are excellent. Get Yourself a Credit Expert Today.

Sat, 01/19/2019 - 01:30 Permalink
Alonso Domingo (not verified)

I just got out of huge debt which came as a result of loans, evictions and delayed payment. I’ve never felt such a great relief for over a decade. I was so lucky to have met a friend that told me about DEBOOTH CREDIT SOLUTION and how they helped him get out of debt. He asked me to read their reviews on trulia and credit magic. I finally consulted them for my credit repair and they delivered. My fico score was 622 before I contacted them and it was increased by 100 points after the first week bringing it to 722 and was later increased by 76 points making it 798. I’ve never experienced such a thing in my entire life. I’m still surprised at the speed and time the job was concluded. They told me that my credit will be fixed within 14 working days and it happened and I’m doing excellently well now. Contact them ASAP and get your credits fixed and I bet you, you’ll testify after two weeks. Here is there contact; DEBOOTHCREDITSOLUTION@GMAIL.COM OR text +1(562) 281-7621

Tue, 04/09/2019 - 00:21 Permalink
Zoe Becker (not verified)

Guys, this is very serious. I have a good income but I had a terrible FICO as a result of some late payments and evictions, this made it impossible for me to afford certain things so I needed my credit fixed. I read about XAP CREDIT SOLUTION on various review sites through google, I texted them via (972) 597 9704, and they increased my score to 795, they also added some positive tradelines to my profile. I’m glad that finally there is a way to beat the system. Email them via XAPCREDITSOLUTION@GMAIL.COM. XAP is definitely the answers to our prayers. Don’t just sit there take action today!!!

Wed, 04/10/2019 - 07:58 Permalink
Lookie Matt (not verified)

I am so happy to have consulted DEBOOTH CREDIT SOLUTION for my credit repairs. I discovered that I had 5 negative items on my credit most especially IRS, delayed payments and loans and over 7 hard inquiries from every bureaus and it hindered me from moving forward in my business. I could not access any loan so I started looking for ways to salvage my condition and discovered a hacker (debooth credit solution) on trulia though there were other ones there but my instinct directed me towards Debooth. I was asked for funds to get started with the job and I gave them the benefit of doubt and made some commitments. My fico score was moved from 600 to a perfect 800 and all the negatives were deleted from my report. Right now I have a clean profile with wonderful trade lines. In case you need their services, you can reach them via DEBOOTHCREDITSOLUTION@GMAIL.COM OR text +1(562) 281-7621.

Thu, 04/11/2019 - 23:34 Permalink
Ava Davis (not verified)

3 years ago, my credit score dropped to 500 after missing payments on my credit cards because I went off to boot camp. I was in the process of settling my outstanding credit card bills.it was like a nightmare to me when all (3) my credit cards reached a maximum limit and the banks kept calling me and the reminder letters kept coming. My biggest drag on my score as at first week of January 2018 was 400, credit inquiries (6), Credit card debts of $7000. I read about HACKWEST CREDIT REPAIR whom was said to be a solution for credit issues. I sent a mail to him via HACKWEST@WRITEME.COM. asking if he could get the job done. After meeting the requirements, He told me to check back in 9 days, which I did and what I saw overwhelmed me, debts were cleared, with 780 score and all credit card debts removed. Text him via (424) 307 2638. Bye

Fri, 04/19/2019 - 17:27 Permalink
Olivia Freeman (not verified)

My name is Olivia from Texas my colleague introduced me to a great hacker who helped me in fixing of my bad credit score to 758 and wipe out my bad credit history. Contact him via PROHACK.NET@AOL.COM / +12523073167 for help.

Sat, 09/07/2019 - 22:49 Permalink
Lyli Perez (not verified)

My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!

Wed, 09/11/2019 - 14:46 Permalink
Ernestin Guillen (not verified)

When you have a very poor credit history it can eat you up, how you go about fixing it matters. More reason I appreciate XAP Credit Solution. Being able to handle people’s problem efficiently and effectively is a thing worthy of gratitude in all ramifications. What XAP CREDIT SOLUTION did for I and my family is immeasurable, I had a very poor FICO of 420, I had a repo, student loans, car loan, credit card debts, evictions and a couple of late payments. After being convinced by my cousin I contacted XAP and they boosted my FICO to 800 and removed all evictions, late payments and repo. Loans were paid off and credit card debts cleared, without stressing my ass off. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would love to engage their services you quickly reach-out to them. XAP is the best and surest means of getting your credit fixed. Don’t forget to mention my name.
Contact Info:
Phone: +1 (972) 597 9704
Email: XAPCREDITSOLUTION@GMAIL.COM

Wed, 10/02/2019 - 09:41 Permalink
Joe Coutler (not verified)

Email:XAPCREDITSOLUTION AT GMAIL DOT COM
TEXT +(972) 597-9704.
I am ever grateful and will ensure that I keep recommending the best credit repair company (XAP CREDIT SOLUTION) for helping me, and my family fix our credit score of 470 to 805 within a period of 7days. We had the issues of not been able to rent an apartment or own a house,to obtain a loan to clear my son’s school fees wasn’t possible as a result of poor credit score. I had several late pays to the extent my car was alomost retreived hence I couldn’t meet up with the payment. XAP changed the narrative just after I contracted them. This company has proven beyond reasonable doubt that they are expert in credit repair. Therefore,I strongly recommend XAP CREDIT SOLUTION to any person who may need the services of a legit hacker. They’re very swift. Note: I wasn’t induced in any way to write this review. Joe Coutler.

Mon, 10/07/2019 - 19:49 Permalink
David Carbajal (not verified)

I was a victim of an identity theft, my name, SSN and other personal details was used to commit fraud by a family member I trusted, this really broke my heart but I am happy today because I was referred to Hack West Credit Repair (search on google), they cleared all unauthorized and fraudulent activities committed with my identity, thanks to them they're the best at H a c k W e s t @ W r i t e m e. C o m, you can contact them for similar assistance or text @ 1424.307.2638 for any kind of credit fix, chex system or DUI repair.

Sun, 10/27/2019 - 21:33 Permalink
Gladys Walker (not verified)

Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.

Fri, 12/06/2019 - 07:29 Permalink
Mila Henry (not verified)

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

Thu, 12/26/2019 - 07:14 Permalink
Eric Sather (not verified)

Back in 2012 my wife and I were preparing for our wedding in august and I thought everything was well at my job because I worked very hard, I never showed up late and did more than what was required of me but my supervisor stabbed me in the back and laid me off less than 1 month before my wedding. Although I was still able to pay for the wedding however, after the wedding, I was in a very uncomfortable position as a newly wedded. I began falling behind on loan payments, medical bills, etc. that I owed which made my credit score plummet. I felt extremely bad because before I was married, I never made a late payment on a single bill. I was trying to figure out a way to build my credit score back up without having to wait several years so by GOD’S GRACE I was introduced to XAP Credit Solution by a family friend James who currently had his credit profile and CHEXSYSTEM fixed by XAP. XAP was able to quickly get every negative item removed from my credit report and increased my score far past where it was before it fell within a manner of 2 weeks. I applied for a high paying job which required a credit check and after the interview, I got the job and they offered to pay me $134,000 per annum just because my credit report showed that I am a responsible and reliable person. Contact: XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704, I completely recommend XAP Credit Solution for your CREDIT, CHEXSYSTEM and DUI report fix.

Mon, 01/20/2020 - 14:57 Permalink
Bodaway Cliff (not verified)

760PLUS CREDIT SCORE is reliable and efficient credit company to work with. A Colleague recommended 760PLUS to me after I confided in him about my poor credit situation. I contacted them immediately on +1(304) -774 -5902 and they increased my low credit score from 420 to 810 in less than a week. Removing all hard inquiries, charge offs and eviction. Guess what? They even added some positive trade lines to my report. I want you to contact them, they can help you. Here is their email: 760PLUSCREDITSCORE@GMAIL.COM /+1(304) -774 -5902. Cheers. Don’t forget to mention my name when you text.

Tue, 01/21/2020 - 03:35 Permalink
Gilbert Paul (not verified)

I’m happy to share my experience with people on how I got my credit fixed. I almost lost my family’s happiness because I couldn’t pay my daughter’s medical bills last year. My credit was 425 and was also struggling with eviction before now, there were other negative items on my report such as IRS and delayed payment. My wife discovered 760PLUS CREDIT SCORE online and everything got better. They helped us after narrating our predicaments and also meeting their demands. They cleared our eviction and IRS and also upgraded our score to 790. I’ll recommend 760PLUS CREDIT SCORE to anyone who genuinely needs help. You can contact them via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902. Thank me later!

Sat, 01/25/2020 - 21:16 Permalink
Gilbert Paul (not verified)

I’m happy to share my experience with people on how I got my credit fixed. I almost lost my family’s happiness because I couldn’t pay my daughter’s medical bills last year. My credit was 425 and was also struggling with eviction before now, there were other negative items on my report such as IRS and delayed payment. My wife discovered 760PLUS CREDIT SCORE online and everything got better. They helped us after narrating our predicaments and also meeting their demands. They cleared our eviction and IRS and also upgraded our score to 790. I’ll recommend 760PLUS CREDIT SCORE to anyone who genuinely needs help. You can contact them via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902. Thank me later!

Sat, 01/25/2020 - 21:16 Permalink
Dennis Alexander (not verified)

Happy President Day, well I fixed my credit and got rid of my debts with the help of XAP Credit Solution whom a trusted colleague recommended and he did a perfect job increasing my credit about 210 points in few business days. My score is amazingly at its high 780’s now and all debts and inquiries are gone & I've never been this happy. I refer this hacker to those who have a fixed date to fix their profile. Text XAP on +1 (972) 597 9704. Tell him Dennis Alexander referred you. You can also reach him via X A P C R E D I T S O L U T I O N @ G M A I L . C O M.

Mon, 02/17/2020 - 20:30 Permalink
Aaron Michael (not verified)

I recommend you seek professional help while trying to fix your credit to avoid further complications and ruin your credit the more. I talked to Hack West Credit Repair who listened to me and was happy to help solve my credit issues. My score was raised to 810 in just about 7 days and all collections, charge offs, eviction and IRS were removed from my profile. Contact H A C K W E S T @ W R I T E M E . C O M or Text/Whatsapp +1 424.307.2638. You can tell him a previous customer referred you.

Fri, 02/21/2020 - 08:16 Permalink