evertything was paid off there are still somethings showing up on his credit that were paid off in the banckruptcy. ( from a previous marriage by the way, not with me...) Any ideas of how to get those off, they were paid for, and I have a copy of the bankruptcy papers to prove it! Any help please??
2006-12-31 19:09:08 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
Take your credit report and find the account number of the derogatory info then go to the web site for each individual credit bureau. Find the on line dispute button, follow the instructions to dispute. The only thing is when it asks for reasons you need to select " NO KNOWLEDGE OF THIS ACCOUNT" nothing else. Don't write an explanation, don't try to document just keep it simple the less they know the better .. It makes a difference, a little known fact to the typical consumer. You will receive a new credit report in 30 days showing their decision. Hope this helps Good Luck
Kourtnie D.
Debt Analyst
The E.D.A. Group
2007-01-01 02:16:57 · answer #1 · answered by Kourtnie D 4 · 0⤊ 0⤋
It takes 7 years or longer for a bankruptcy to be removed from a credit bureau. If the report is only on your husband it shouldn't affect your credit report. Your husbands bankruptcy regardless of the reasons sends a strong message to credit granters that he does not honour his financial obligations as required and is a poor credit risk. If the debts involved in the bankruptcy have been paid in full the credit report should indicate this but the bankruptcy will remain on the record for a minimum of 7 years. And rightly so.
2007-01-01 16:55:09 · answer #2 · answered by B 4 · 0⤊ 0⤋
If there are errors on a credit report they can be corrected but it is not a simple procedure. You can contact each of the 3 credit agencies, and they will go back to the original creditor to verify any changes prior to changing it on the report. You will need a good atty. to help you with this. I don't know if it makes much difference since bankruptcy remains on your credit report for i believe 7 years.
2007-01-01 03:20:38 · answer #3 · answered by mr.answerman 6 · 0⤊ 0⤋
it usually takes 8 years for a bankruptcy to clear.
contact the companies who are still listing on the report and send them the documented bankruptcy information.
have a nice day.
2007-01-01 03:11:00 · answer #4 · answered by sharrron 5 · 0⤊ 0⤋
send a copy of bankcruptcy to the credit bureau and ask them to delette all the items that included in the bankcrupt, and update the accurate one.
2007-01-01 05:51:25 · answer #5 · answered by perony 1 · 0⤊ 0⤋
This is a huge mess and you are setting yourself up for a lot of aggravation if you try to fix it yourself. I suggest you let a credit repair company do the leg work.
2007-01-01 12:08:40 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Any debts charged off in BK should read "included in BK". They will fall off 7 years from the date of 1st delinquency. The BK should fall off in 10 or less.
2007-01-01 09:21:36 · answer #7 · answered by Kevin K 3 · 0⤊ 0⤋