how do i get a bankrupsty off my credit report if i filed but never followed through and was never discharged?

Answer 1

If you filed on your own (you didn't use an attorney), you're going to have to call Experian, Equifax and the five million other credit reporting agencies and find out how you dispute something that is being falsely (or incorrectly) posted on your credit report. It can be a frustrating and lengthy process. You will be required to explain, in writing, that you didn't go thru with the BK and you will have to provide them with a copy of the paperwork the court sent you when your BK case was dismissed.

After you have follow all of their instructions--TO THE LETTER--you will need to monitor your account to make sure this incorrect information is removed. If it doesn't disappear within 45 days, you'll need to follow-up. If you're currently applying for credit with anyone, keep a copy of all of this information so that you can indicate that you're working on having the information removed.

If you did use an attorney, you will need to ask him/her to help you resolve the situation. You must keep in mind that you can be billed for his/her assistance.

Answer 2

Bad answers again....don't have a clue what they are talking about.

First I would need to know what happened to your bankruptcy. Was it dismissed for some reason? What is the current status.

When you file a bankruptcy, it is immediately posted as a public document for all to see (including the credit bureaus). That is how it got posted.

You need to get information from the court on the status (dismissed, etc...) and send it to the credit bureau along with a dispute letter. But note that they are allowed to report most dismissed bankruptcy cases. I need to look up the laws but I believe they can continue to list this info for a few years.

Remember that the credit bureaus are in the business of reporting personal, and verifiable financial information about you. Public records is the absolute best information available, and your BK filing is a public record.

Answer 3

call the attorney you originally went to for the bankruptcy to find out how this happened. your records could have been mixed up with someone else's. If that doesn't work, contact the clerk of the bankruptcy court.

Answer 4

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