My bankruptcy is now over 7 years old and in wa it should be off my record now. Who do I contact to make that happen? I also want to find out who to pay an unpaid collection to. What exact number should I call or what website should I go to and what exact steps do I take? Thanks!
2007-01-24 09:52:12 · 4 answers · asked by hypothetical 1 in Business & Finance ➔ Credit
Go to a site called www.annualcreditreport.com
This is the only true free site to get your credit reports, and is supported directly by the 3 big credit bureaus Experian, Equifax and TransUnion.
They will ask you for personal information like SS number, birthday, etc to make sure you are you. They will also ask you 3 or 4 questions unique to you about your credit history with multiple choice questions like "How much is your mortgage payment?"
You can pull 1 credit report from each bureau for free, only 1 time per year.
I regularly pull 1 of the 3 reports every 4 months, that way I get an idea of what's going on. If I see anything suspicious, I'll pull the other two also.
If you want your credit scores too, you can go to www.myfico.com and get copies of your reports and your FICO score. However, they do charge for this service, something like $13 per report and score for each bureau.
2007-01-24 09:59:44 · answer #1 · answered by Uncle Pennybags 7 · 0⤊ 0⤋
Better than a number:
You can get a free credit report and access all three credit agencies.
http://www.annualcreditreport.com
Be aware that the bankruptcy is reported for seven years after discharge.
2007-01-24 10:07:29 · answer #2 · answered by whatevit 5 · 0⤊ 0⤋
I'm fairly certain Bankruptcy is reported for 10 years. That said, you shouldn't have to 'make that happen'. It is supposed to happen automatically. I would recommend getting copies of your reports to make sure it was done. www.annualcreditreport.com is the best place to do that.
2007-01-24 12:32:43 · answer #3 · answered by STEVEN F 7 · 0⤊ 0⤋
i could call the police, yet i does no longer cancel the cc. My husband had his cc stolen approximately 7 yrs in the past and it nonetheless impacts his credit now. every time he tries to open money owed they are denied because of the fact they don't comprehend if that's him or no longer. i could basically call the police.
2016-11-26 23:53:27 · answer #4 · answered by Anonymous · 0⤊ 0⤋